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Watercraft & Boat Insurance

Watercraft & Boat Insurance Quote Forms

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Watercraft & Boat Insurance Information


Because Watercraft & Boat insurance rates can vary greatly from one company to the next, Insurance Plus compares prices and coverages of multiple providers to save you hundreds of dollars in premium.

Why do you need insurance for your power boat, sail boat, yacht or personal watercraft?

You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.



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What does a Progressive boat insurance policy offer you?

Whether your idea of a great day on the water means jumping the waves, riding the wind, or reeling in the bass, your Progressive Boat insurance agent can make sure you have shipshape coverage when it comes to your boat or personal watercraft insurance. Progressive offers:
  • Insurance for virtually all types of pleasure boats on the water.
  • Low rates and a variety of discounts.
  • Specialized coverage options like on-water towing, fuel spill coverage, wreckage removal coverage, fishing equipment coverage and personal effects coverage.
  • Superior claims service.
Expert advice from an independent agent or broker
A Progressive boat insurance agent is the master of the seas when it comes to providing a customized boat insurance policy for you and your boat. Your agent provides personal service and advice and can customize a policy to meet your specific needs.

What does a Progressive PWC policy offer?
  • Great rates
  • Specialized coverages you probably wont get if you insure your PWC on your homeowners policy.
  • Liability limits up to $500,000.
  • A wide selection of deductibles.
  • Superior claims service.
Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.


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