Watercraft / Boat Insurance

Watercraft/Boat insurance is Boat insurance allows you to enjoy peace of mind as you navigate your personal watercraft (PWC) or boat.

Why is Personal Watercraft or Boat Insurance Important?

If you don’t have a separate boat or PWC insurance policy, you’re probably under-insured. Most homeowners policies have size restrictions, limitations on horsepower, and limits on damage coverage, if they offer any coverage at all.

It is also important that you work with a company that can create a policy customized to meet your needs. All boats aren’t the same. Customize your insurance to include coverage for damage to your boat (including hull, sails, machinery, and more), new boat replacement, and fuel spillage liability.

What is Covered By Personal Watercraft and Boat Insurance?

Whether you are on the water or storing your boat for the winter, it’s important to keep your watercraft protected against the unexpected year round. Typically, coverage is not required by law, but your lien holder may have requirements. We can help answer your questions and help you determine which coverage options are best for you.

Here are some of the most common elements of personal watercraft or boat insurance policies:

  • Watercraft medical payments coverage– Helps pay medical costs if you or anyone on your boat or watercraft is injured in an accident.
  • Watercraft liability coverage– If there’s an accident, this covers the medical and other expenses of people injured on the other vessel as well as the costs of repairing or replacing another person’s boat or property.
  • Property coverage– This covers damage to your boat if you’re involved in an accident with another boat, watercraft, or with something else, like a pier, buoy, dock or foreign debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.
  • Repair cost– This covers repair work done on your watercraft or boat, motor, equipment or trailer.
  • Emergency services– If your boat breaks down, this covers the cost of towing and labor or the cost of delivering fuel, oil or a battery.
  • Uninsured watercraft coverage– If you’re in an accident with an uninsured boater, this helps pay for injuries that you or anyone else on your boat sustains.
  • Agreed value option– When you’re reimbursed for your boat’s value, you’ll be reimbursed for what it was worth at the start of the policy regardless of the current market value.
  • Personal effect coverage– This covers your fishing equipment and other personal belongings if they’re damaged, lost or stolen.
  • Additional boat equipment– This covers boat accessories, including anchors, life jackets and navigation gear..
  • Boat trailer coverage– This covers damages to your trailer resulting from an accident or other incident.
Contact our team of Central VA Watercraft/Boat Insurance experts


(804) 914-3826
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Should you need to use your Boat Insurance policy, we will be right there with you. We will walk you through the process of getting the coverage your policy offers. We ensure your claims move through rapidly so you can get back to normal life. When you work with us, you are working with relatable people in your area whose goal is to protect you and your family.

Currently Serving:

Amelia
Appomattox
Ashland
Brunswick
Charlottesville
Chester
Chesterfield
Clarksville
Colonial Heights
Danville
Dinwiddie
Emporia
Farmville
Goochland
Greensville
Halifax
Hanover
Henrico
Hopewell
Louisa
Lunenburg
Mecklenburg
McKenney
Nottoway
Petersburg
Powhatan
Prince George
Richmond
South Boston
South Hill
Sussex

Get a Quote

Send us an email and we will contact you promptly to ask you a series of questions to learn more about your protection needs. Based on your location, value of your insurable , and budget, we will create the perfect plan for you together.

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