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Powerboat Insurance Coverage

  • Customized protection for 15+ powerboat types
  • Covers boat damage, medical expenses and more
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What Is Powerboat Insurance?

Powerboat insurance is a requirement at most marinas and a benefit for any boat owner. Get peace of mind with the variety of coverages included in this policy.

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Examples: How Powerboat Insurance Coverage Protects Your Boat

Powerboat insurance gives you less to worry about on your water adventures. It can be of service in the following situations and others like it.

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Did you know?

Powerboat sales spiked in 2020 and 2021.** With so many new boaters in the water, uninsured and underinsured boater coverage may be helpful.

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Breakdown Towing Assistance

Your engine breaks down, leaving you stranded in the water. Fortunately, emergency on-water service is available with the optional physical damage coverage. Get up to one hour of mechanical labor at the breakdown site, a tow to shore or a tow to a service point for repairs.

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Collision Damage

While taking part in a crowded boating event, contact with another boat scratches your cruiser. This coverage protects your ship against accidental damage. It helps to bring down out-of-pocket repair costs for customers, which can be especially expensive for powerboats.

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Damage to Boat Accessories

While pulling a friend on a wakeboard, you accidentally swerve too close to a rock. Your friend is unharmed, but the board is damaged. Watercraft equipment coverage may cover a replacement. Auxiliary motors, trailers, safety equipment, and water skis may all be covered, too.

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Frequently Asked Questions

Trusted by over 12 Million Customers & Counting

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90+ Years

Over 90 years in business protecting our customers
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Ranked by Forbes

Named one of America's Best Insurance Companies by Forbes

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12 Million Customers

Reliable, quality coverage for customers across 19 states

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*The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

**National Marine Manufacturers Association, NMMA Reports Boat Sales Strong in 2021, Continued Momentum Expected in 2022, https://www.nmma.org/statistics/article/23889 (last visited August 16, 2023), [https://perma.cc/SZ7W-LKZH]