Boat and Watercraft Insurance
Coverage for powerboats, sailboats, and personal watercraft, on the water and in storage.
How this coverage works
How boat and watercraft coverage works
Boat insurance covers physical damage to your boat and your liability while operating it. Homeowners policies usually offer only limited watercraft coverage.
Policies differ in how a damaged boat is valued. Some pay an agreed amount set when the policy starts, while others pay what the boat was worth at the time of the loss. Ask which basis applies before you buy.
Where and when you operate the boat also matters. Coverage is usually written for a defined navigation area and season, so describe your trips, storage arrangements, and any charter or rental use when requesting a quote.
Details to review
- Hull and equipment
- Liability on the water
- Towing and assistance
- Medical payments for passengers
- Belongings and gear aboard
- Trailer, dock, and moorage damage
- Fuel spill and wreckage cleanup
- Protection while the boat is in storage
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Owners of recreational boats and personal watercraft
- Weekend and seasonal boaters who keep a boat for personal use
- Sailboat and powerboat owners with a defined operating area
- Owners who store the boat on a dock, mooring, or trailer
- Boaters who want liability protection for themselves and their passengers
- Households adding a first watercraft to existing auto and home policies
Worth a conversation first
- Boats used for charter or offshore travel
- Boats rented out to others or operated by hired captains and crews
- High-performance, high-value, or custom-built vessels
- Young or newly licensed operators listed to run the boat
- Boats kept in a hurricane-prone or ice-damaged region
- Water-ski, wakeboard, or towed-inflatable use with passengers aboard
Availability varies by state
State regulation notice
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- Homeowners InsuranceCoverage for your home, belongings, and personal liability.Learn more
- Personal Umbrella InsuranceAdditional liability limits above eligible underlying policies.Learn more
Household coverage review
Review how your property, vehicles, and personal liability fit together. Eligibility and multi-policy options vary by insurance carrier and state.
- Property and belongings
- Vehicles and watercraft
- Personal liability
- Valuables and CollectionsReview individual protection for jewelry, art, and collections.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.