Boat and Watercraft Insurance

Navigate the open waters with the assurance that your investment is protected by a policy designed for the unique challenges of the marine environment. Our boat and watercraft insurance provides comprehensive coverage that standard homeowners’ policies often miss, ensuring that your vessel, your gear, and your passengers are safe from the dock to the deep sea. Whether you are piloting a high-performance speedboat, a relaxing pontoon, or a sleek sailboat, we offer flexible plans that cover physical damage, liability, and specialized marine risks.

We understand that a day on the water should be about relaxation, not worrying about “what-ifs.” Our policies go beyond the basics to include essential protections like fuel spill liability and wreckage removal, which are often required by marinas and environmental regulations. From personal watercraft like Jet Skis to luxury cruisers, our expert advisors help you navigate the choice between “Agreed Value” and “Actual Cash Value” coverage, ensuring your payout matches your expectations in the event of a total loss. With InsureMoreNow, you can set sail knowing we have your back.

• Hull and Machinery protection for the body of the boat and its engines

• Liability Coverage for property damage or bodily injury to others

• Agreed Value Option to protect your boat’s worth without depreciation

• Uninsured Boater protection for accidents involving underinsured operators

• Personal Effects Coverage for fishing gear, sports equipment, and electronics

• Emergency Towing and on-water assistance to get you back to the harbor

• Fuel Spill Liability to cover accidental environmental damage costs

• Trailer Coverage to protect your vessel even while it’s being transported

Protecting your maritime lifestyle requires a partner who understands the specific variables of boat ownership, from seasonal storage risks to navigational limits. Our team provides specialized claims handling by adjusters who know marine mechanics and restoration, ensuring that repairs are done right the first time. We also offer various discounts for safe boating course graduates and claims-free histories, allowing you to enjoy premium protection at a competitive rate. Don’t let a single accident sink your financial future—secure a policy that is as resilient as your vessel.

At InsureMoreNow, we are dedicated to helping you make the most of your time on the water. We believe that every boat owner deserves a custom-fit policy that reflects how and where they ride. Our commitment to excellence means you receive prompt support and clear communication whenever you need us, allowing you to focus on the horizon ahead. Safeguard your nautical adventures today with a boat insurance plan that offers the perfect balance of depth and durability.