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Damage to Your Boat:
The policy covers damage to your boat, motor and trailer resulting from an accident subject to your deductible.

Liability: 
The policy pays when you ort your family member are legally liable for either bodily injury or property damage to another party.  It also pays court defense costs.

Replacement Coverage for Personal Effects: 
You'll get replacement cost coverage for your personal non-boating items while onboard.  Items such as clothing, sporting equipment and other personal belongings are protected up to $250.

Medical Payments: 
Pays medical and funeral expenses for the insured, members of the insured's household and passengers in a covered boat if an accident causes bodily injury or death.  The limit of coverage must be the same on all boats we insure.

Loss of Income: 
Loss of income is included on every policy that has Medical Payments coverage.  This coverage pays when a covered person is disabled because of a boat accident.  The lost income period starts the 15th day after the accident and ends 54 weeks after the accident or when the injured person no longer is disabled or dies.

Emergency Service: 
Your watercraft is covered for the labor at the site of a breakdown, towing to the nearest repair facility and delivery costs for fuel, oil or battery.  This coverage is important since current regulations only allow the Coast Guard to help you if your boat is in "imminent peril" of sinking.

Year-Round Protection: 
With our 12 month policy, you'll avoid a potentially costly loss - such as winter storm damage, theft, fire or another hazard - that happens during a lapse in coverage.

Deductibles: 
Select a single deductible on your hull and motors.  A standard $50 deductible applies to your trailer.  You don't pay several deductibles if more than one item is damaged in a single loss.  Only one deductible applies in that case.  You pay no deductible if your boat is a total loss.

Send for a quote:
If you're a responsible person you owe it to yourself to talk to us.  Click on the 'Free Quote' link and submit the request.  A representative will get back with you shortly.

* The Boating Safety Course and Claim-Free discounts apply to all
     coverages.  Other discounts apply to the hull or motor premium only.
     The maximum hull discount allowed it 45 percent.