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Watercraft Insurance

Boat and Personal Watercraft Insurance

Not everyone on the water is an experienced operator, which can lead to boating accidents—half of which result in injuries.

Watercraft insurance covers many kinds of boats to include policies tailored for pleasure boats, pontoons, fishing boats, sailboats and personal watercraft.

What is watercraft insurance?

A watercraft policy insures you and your watercraft against liability and damage in the event of an accident. The types and amount of coverage you receive will depend on the specific watercraft policy you purchase.

How does a watercraft policy protect me?

Whether you store your watercraft at home or docked somewhere else, make sure it's protected with watercraft insurance. A basic watercraft policy will cover you from damage caused by:

  • A collision
  • Sinking
  • An accident
  • Malicious mischief
  • Vandalism

Most watercraft policies cover physical damage to:

  • The hull
  • Sails
  • Machinery
  • Furnishings
  • On-board equipment
  • Watercraft trailer for damage from an external cause.

Boat insurance and personal watercraft insurance differ on the type of boat or personal watercraft you own. Contact Armed Forces Insurance today at 800-495-8234 or get a free no-obligation quote online.

Insurance products are provided by Armed Forces Insurance Exchange (AFIE), Armed Forces Insurance Agency (AFIA) and its affiliated partners. All policies and endorsements are subject to underwriting approval. Coverages, deductibles, limits, and discounts vary by state. 

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