You need insurance for your boat or personal watercraft

You'll not only enjoy the water more, but you won't have to worry about the safety of your passengers or your investment.

insurancehub boat insurance

When purchasing your personal watercraft or boat insurance, you should consider the following:

insurancehub boat insurance quotes

Boating accidents or stolen watercraft cost money. And it often costs quite a lot of money to fix or replace your watercraft.

Even on land, your boat or personal watercraft needs the proper protection. Accidents on land can happen while towing your watercraft to and from the water.

You could be sued for far more than you're worth if your boat or personal watercraft is responsible for any damage or injury to others.

If your watercraft is involved in an accident and you or any passengers are injured, the medical costs can become quite expensive.

Things to consider about boat insurance and ask your agent

Consider the following as you prepare for a discussion with your agent concerning personal watercraft/ boat insurance:

  • If your boat or personal watercraft is damaged, stolen, or in an accident, how much can you afford to pay?

  • If I need to have my boat towed in the case of an emergency, do I have the proper coverage?

  • How's the customer service reputation for the insurance company? Is the company known for paying claims promptly and fairly?

  • Is my boat or personal watercraft covered for use year-round or seasonally?

  • Are there any discounts and/or programs are available to me?

  • As a boat owner, how much liability coverage & medical insurance is enough?

  • If I need to file or settle a claim, what's the process ?

Auto and home insurance policies may provide you with limited coverage for your boat or personal watercraft, but they don't deliver the same coverage as a boat insurance policy.

In the event of a potential accident, you may consider purchasing a personal watercraft policy. Personal watercraft policies typically cover:

  • Bodily injury
  • Property damage
  • Guest passenger liability
  • Medical payments
  • Theft

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

A typical personal watercraft policy includes deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments. You can purchase additional coverage for trailers and other accessories as well.

Speak with your insurance representative about the type of coverage best suited for your needs.


Call InsuranceHub directly at (877) 341-5728. We offer transparent insurance options at competitive rates.