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Personal Insurance

Boat & Jetski Insurance

Coverage for your watercraft with a real, updated value, not a number set once at purchase and never revisited.

Get a quote for Boat & Jetski

What it covers

  • Liability for injuries or damage caused while operating the watercraft
  • Physical damage coverage for the boat or jetski itself
  • Coverage for a non-owner operator, depending on the policy
  • Towing and emergency assistance, often available as an add-on

What it doesn't cover

  • Full value if the agreed or stated value hasn't been updated after upgrades
  • Racing or competitive use, typically excluded
  • Damage from operating outside the policy's stated navigational limits
  • Wear and tear or gradual deterioration

Who needs this

Any boat or jetski owner, especially after adding a new engine, electronics, or other upgrades that increase the watercraft's actual value.

From our horror stories

The Borrowed Boat That Sank

A weekend boat trip with a friend's watercraft ends in a sinking, and neither owner's insurance responds the way either of them assumed.

Read the full story →
Common questions

Boat & Jetski Insurance FAQ

What's the difference between agreed value and market value coverage?

Agreed value locks in a set payout amount you and the insurer agree on upfront. Market value coverage pays based on comparable boats at time of loss, which can undervalue upgrades.

Does my policy cover a friend driving my boat?

Often yes with permission, but confirm the specific terms, especially for a non-owner operator you don't know well.

Do I need to update my coverage after adding a new engine?

Yes. Update your agreed value whenever you make a significant upgrade, or you risk being underpaid on a future claim.

Related coverage

Motorcycle & RV Personal Umbrella Homeowners Motor Home