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Coverage for watercraft

Watercraft insurance that floats your boat

Get the coverage you need at the price you should be paying to avoid claims that will rock your boat

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What is watercraft insurance?

Watercraft insurance is a type of insurance policy providing coverage for various boats and watercraft including fishing boats, dinghy boats, deck boats, catamaran, sail boats, houseboats, pontoons, yachts, jet skis, and more.

In some cases, a homeowners insurance policy covers your boat, but if your boat is of a certain size and value, your homeowner’s insurance is probably not covering it in full.

Without adequate watercraft coverage, you could be stuck with a large out-of-pocket cost for damages to your boat, or damages your boat causes.

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Check out these watercraft insurance statistics

Boats are large investments capable of large damages. You need an insurance policy to protect you from the financial risks.

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What is (and is not) covered by watercraft insurance?

We know you’re excited to put your watercraft to use, but wait! Before you hit the water, you’ll want to know what exactly watercraft insurance covers, and where there are limits, exclusions, and optional coverages.

What is typically covered?

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Damage up to market value of boat

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Damage that occurs in waterways, rivers and lakes, and ocean waters within a certain number of miles from shore

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Towing

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Wreckage removal

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Fuel spill indemnification

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Injury liability

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Medical payments to others

What is not typically covered?

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Certain boats of a smaller size or value

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Boats in transit from home to water

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Boats out during a time your policy indicates it’s in storage

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Damage that occurs in certain geographic areas

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Damage from negligence or lack of boat maintenance

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Got watercraft insurance questions? We’ve got answers.

We know watercraft insurance can be confusing. You probably have loads of questions, so let’s get you started on the basics.

Do I need watercraft insurance?

What types of watercraft insurance are there?

How much does watercraft insurance cost?

What if I need to file a claim?

How watercraft insurance keeps you afloat

We know you already spent a ton on your boat and you don’t want to spend another dollar on watercraft insurance. But buying a policy ensures you can protect that boat and not be stuck with a huge out-of-pocket expense.

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Physical coverage for your boat

Boats are worth a lot of money. If it gets damaged, you only have to pay your deductible -- your policy takes care of the rest!

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Coverage for accidents

Unfortunately, accidents happen. You’ll want a policy that will cover you for any property damage or injuries your boat causes

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Coverage for cleanup

Boat accidents can be messy. Watercraft insurance pays for towing, debris, and fuel cleanup.

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“The Berry team is always willing to promptly help us no matter what insurance issue we have. It is always a great experience when I reach them for help.”

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Ensure smooth sailing with watercraft insurance

Don’t let uncovered claims sink your ship. Stay afloat with the right watercraft insurance policy. Simply fill out this form and a member of our personal insurance team will be in touch.

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