Protect Your Time on the Water
Boating is one of life’s great pleasures, whether it’s a weekend on the lake, fishing trips with family, or cruising along the river with friends. But with freedom on the water comes risk. Accidents, theft, weather events, and damage to your vessel can lead to costly repairs or liability claims.
Standard homeowners or auto insurance usually won’t cover these situations, which is why INSight Partners helps you secure boat and watercraft insurance designed specifically for your needs.
Why Boat & Watercraft Insurance Matters
Even careful boaters can face unexpected events. Collisions with other vessels, docks, or obstacles, storms that damage your vessel, and accidents that cause injuries to passengers or others are all potential risks. A dedicated insurance policy ensures you’re covered, whether you’re docked at home, navigating open water, or trailering your boat to the next lake.
Choosing the Right Policy
Your boat or watercraft insurance needs depend on the size, type, value, and usage of your vessel. Our risk advisors work with multiple carriers to find the policy that provides the right protection at a competitive price.
We’ll also review potential discounts, like multi-policy bundles or boating safety course completion.
Common Boat & Watercraft Coverages
- Physical Damage Coverage – Protects your boat, jet ski, or personal watercraft from damage caused by fire, storms, vandalism, theft, or accidents. Includes coverage while in storage or transit.
- Liability Coverage – Covers damages or injuries caused to others while operating your vessel.
- Medical Payments – Pays for medical expenses if someone is injured on your boat.
- Property Damage Liability – Covers damage to another person’s property caused by your vessel.
- Optional Coverages – Towing and emergency service reimbursement, accident forgiveness, or specialized equipment coverage.
