Protecting your pleasurecraft

This policy protects an insured's personal pleasurecraft for damage it might sustain as well as covering related property on the boat. Liability protection against the claims of others is also provided when the boat and named insured are involved in a covered loss.

Agreed Value
This policy provides property coverage for an insured's boat and boating equipment. With "agreed value" coverage, the boat owner will be paid the insured value of the boat in the event of a total loss.

Watercraft Liability
This is the broadest form of liability coverage available to boaters. It offers:

1. Bodily Injury
2. Property Damage
3. Salvage
4. Wreck Removal (sinking)
5. U.S. Longshoreman's and Harborworkers
6. Negligence for Unseaworthy Vessel
7. Fuel Spills (property damage only)

Discounts
Our Watercraft Policy offers a number of premium discounts for which the insured may qualify. They include:

• 5% account credit for an auto policy
• 5% account credit for a homeowners policy
• 10% diesel engine credit
• 5% automatic fire extinguisher discount
• (variable %) repower credit - dependent upon age of boat
• (variable %) deductible credit
• 5% electronic funds transfer (EFT) credit

Medical Payment Coverage
Medical Payment coverage protects the insured and guests who are injured while on board the boat, boarding, or departing from the boat.

Uninsured Boater Coverage
Uninsured Boater Coverage will pay damages, which an insured person is legally entitled to recover, for bodily injuries sustained in an accident caused by an uninsured owner or operator of a watercraft. Many competitor's watercraft policies do not include Uninsured Boater coverage.

Towing Coverage
This coverage applies to emergency situations when you and the insured watercraft are not in imminent danger. We will pay the reasonable cost you incur subject to the policy limits.

Personal Property Coverage
This includes coverage for clothing, personal effects, fishing gear and sports equipment owned by you, your family or guests on board your boat. Money, jewelry, traveler's checks and other valuable papers or documents are not included in this coverage.

To find out more, please contact your local Independent Insurance Agent by selecting Find an Agent.

Subject to eligibility requirements. Not available in all states. This website contains only a general description of the program and is not a statement of contract. Coverage is subject to the terms, conditions, and exclusions contained in the policy and endorsements. Please read our Terms and Conditions for information about licensing, policy availability, and other restrictions.