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BOAT & WATERCRAFT INSURANCE

Protect Your Vessel. Enjoy the Water With Confidence.

Whether you’re cruising across the lake, spending time with family on the water, fishing with friends, or enjoying a weekend adventure, your boat is an investment worth protecting.

At SecureWay Insurance, we help boat and watercraft owners explore insurance options designed to provide protection for their vessel, equipment, passengers, and financial interests against certain covered risks.

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Coverage availability, benefits, limits, exclusions, deductibles, and pricing vary by state, insurer, watercraft, and individual circumstances.

PROTECTION FOR YOUR TIME ON THE WATER

The unexpected can happen even when you’re an experienced boater.

A collision, theft, storm, accident, or damage to your vessel can result in significant expenses. The right boat insurance can help provide financial protection against certain covered losses.

Whether you own a fishing boat, yacht, pontoon, personal watercraft, or another eligible vessel, SecureWay Insurance can help you explore coverage options suited to your needs.

OUR BOAT & WATERCRAFT INSURANCE COVERAGE OPTIONS

Liability Coverage

Liability coverage may help protect you financially if you’re legally responsible for covered bodily injury or property damage resulting from a boating accident.

Depending on the policy, it may help with:

  • Injuries to other people
  • Damage to another vessel
  • Damage to docks or other property
  • Certain legal or defense costs associated with covered claims

Coverage is subject to the policy’s terms, conditions, exclusions, and limits.

Physical Damage Coverage

Physical damage coverage may help pay for repairs or replacement of your boat following certain covered losses.

Depending on the policy, this may include damage caused by:

  • Collision
  • Fire
  • Theft
  • Vandalism
  • Certain storms
  • Other covered events

Coverage, deductibles, and limits vary by policy.

Comprehensive Coverage

Comprehensive protection may help cover certain losses that aren’t caused by a collision.

Depending on your policy, this may include:

  • Theft
  • Fire
  • Vandalism
  • Falling objects
  • Certain weather-related damage
  • Other covered causes of loss

Uninsured & Underinsured Watercraft Coverage

If you’re involved in an accident with an uninsured or underinsured boater, this coverage may provide protection for certain eligible losses, subject to your policy and applicable state law.

Medical Payments Coverage

Medical payments coverage may help pay certain eligible medical expenses resulting from a covered boating accident.

Depending on the policy, it may apply to you, your passengers, or other eligible individuals.

Coverage varies by insurer and policy.

Personal Property Coverage

Your boat may carry valuable equipment and personal belongings.

Depending on your policy, coverage may be available for eligible items such as:

  • Fishing equipment
  • Life jackets
  • Water sports equipment
  • Portable electronics
  • Safety equipment
  • Personal belongings
  • Other eligible boating equipment

Coverage limits and exclusions apply.

Emergency Towing & Assistance

A breakdown or mechanical problem can leave you stranded on the water.

Depending on your policy, emergency assistance may help with eligible services such as:

  • Towing
  • Fuel delivery
  • Jump starts
  • Soft ungrounding
  • Other eligible emergency assistance

Trailer Coverage

If you transport your boat using a trailer, coverage may be available for the eligible trailer associated with your watercraft.

Depending on the policy, it may provide protection against certain covered losses.

WHAT TYPES OF WATERCRAFT CAN BE INSURED?

Depending on the insurer, state, vessel, and policy requirements, coverage may be available for various types of watercraft.

Fishing Boats

Protection options for recreational fishing boats and eligible fishing equipment.

Pontoon Boats

Coverage options for families and boat owners who enjoy relaxing and entertaining on the water.

Speedboats

Explore protection for eligible high-performance and recreational boats.

Yachts

Specialized coverage may be available for eligible larger and higher-value vessels.

Personal Watercraft

Coverage may be available for eligible personal watercraft such as jet skis and similar vessels.

Other Eligible Watercraft

Coverage availability depends on the vessel, insurer, location, and underwriting requirements.

WHAT CAN AFFECT THE COST OF BOAT INSURANCE?

Boat insurance premiums can vary depending on several factors, including:

  • Type of watercraft
  • Make and model
  • Age of the vessel
  • Value of the boat
  • Engine type and size
  • Where the boat is stored
  • Where the boat is operated
  • Boating experience
  • Intended use
  • Claims history
  • Coverage limits
  • Deductible
  • Selected coverage options
  • Applicable discounts
  • Insurance company underwriting factors

That’s why getting a personalized quote is important.

HOW MUCH BOAT INSURANCE DO YOU NEED?

The right amount of coverage depends on your vessel, how you use it, where you keep it, and your personal circumstances.

Consider:

Your Boat’s Value

A more valuable vessel may require broader protection against covered losses.

Your Equipment

Consider the value of fishing equipment, electronics, safety equipment, and other items you keep on board.

Your Liability Exposure

Think about the potential financial consequences of an accident involving another person, vessel, dock, or property.

Your Storage Location

Where you store your boat can influence the risks associated with theft, weather, and other losses.

Your Boating Activities

Consider whether you use your boat for fishing, cruising, water sports, entertaining, or other activities.

BOAT INSURANCE FOR DIFFERENT TYPES OF BOATERS

Weekend Boaters

Protection for those who enjoy spending their weekends on the water.

Fishing Enthusiasts

Coverage options for boat owners who spend their time fishing on lakes, rivers, or coastal waters.

Family Boaters

Help protect your vessel while enjoying time on the water with family and friends.

Water Sports Enthusiasts

Explore coverage options for eligible boating activities and water sports.

Frequent Boaters

If you’re regularly on the water, the right coverage can help you prepare for unexpected events.

WAYS YOU MAY BE ABLE TO SAVE

Depending on your insurer, vessel, location, and circumstances, you may qualify for certain discounts.

These may include:

  • Boating safety course discounts
  • Multi-policy discounts
  • Multi-vessel discounts
  • Claims-free discounts
  • Safety equipment discounts
  • Anti-theft device discounts
  • Responsible boater discounts
  • Other insurer-specific discounts

Discounts aren’t available to every boat owner and vary by insurer and location.

WHY CHOOSE SECUREWAY INSURANCE?

Personalized Guidance

We help make boat insurance easier to understand so you can make informed decisions about protecting your vessel.

Coverage Options

Explore protection based on your boat, watercraft activities, and individual circumstances.

Straightforward Service

We explain insurance in clear, easy-to-understand language.

Protection for Your Investment

Your boat represents a significant investment. The right coverage can help protect it against certain unexpected events.

Support When You Need It

We’re here to help you understand your options and navigate your boat insurance needs.

GETTING BOAT INSURANCE IS SIMPLE

1. Tell Us About Your Watercraft

Provide information about your boat, where it’s stored, how you use it, and your insurance needs.

2. Explore Your Options

Review available coverage, limits, deductibles, exclusions, and pricing.

3. Choose Your Coverage

Select the protection that best fits your vessel and circumstances.

4. Enjoy the Water With Confidence

Once your policy is issued and active, you’ll have coverage according to its terms and conditions.

FREQUENTLY ASKED QUESTIONS

What is boat insurance?

Boat insurance provides financial protection against certain covered risks involving your vessel, passengers, equipment, and liability, subject to the policy’s terms, conditions, exclusions, limits, and deductibles.

Is boat insurance required?

Requirements vary by state and circumstances. Even when insurance isn’t legally required, marinas, lenders, or other organizations may require certain coverage.

Does boat insurance cover theft?

Depending on the policy, comprehensive or physical damage coverage may provide protection against covered theft losses.

Does boat insurance cover a boat trailer?

Some policies may provide coverage for an eligible boat trailer. Coverage varies by insurer and policy.

Does boat insurance cover fishing equipment?

Some policies may provide coverage for eligible fishing equipment and personal belongings, subject to applicable limits and exclusions.

Does boat insurance cover jet skis?

Personal watercraft may require a specific policy or may be eligible for coverage depending on the insurer. Check with your insurance provider regarding your particular watercraft.

Does boat insurance cover storm damage?

Certain storm-related damage may be covered depending on the policy. Coverage can vary significantly, so review the policy’s covered causes of loss and exclusions.

Does boat insurance cover passengers?

Certain medical payments or liability coverage may provide protection for eligible passengers, depending on the policy and circumstances.

Can I insure my boat if I only use it seasonally?

Yes, insurance may be available for boats that are used seasonally. Your usage and storage arrangements may affect eligibility and pricing.

How can I get a boat insurance quote?

Click Get a Quote and provide information about your watercraft, location, usage, and coverage needs. Available options and pricing will depend on your circumstances and applicable insurer guidelines.

READY TO PROTECT YOUR TIME ON THE WATER?

Protect Your Vessel. Enjoy the Water With Confidence.

Your boat is an investment—and a source of unforgettable experiences. Let SecureWay Insurance help you explore boat and watercraft insurance options designed around your vessel and your needs.

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BOAT & WATERCRAFT INSURANCE DISCLAIMER

Boat and watercraft insurance products, coverage availability, eligibility, benefits, premiums, deductibles, limits, exclusions, and policy terms vary by state, insurance company, watercraft, and individual circumstances.

Information provided on this website is for general informational purposes and does not constitute financial, legal, or insurance advice, nor does it guarantee coverage or policy approval. Actual coverage is determined by the terms and conditions of the applicable policy.

your vessel.