Coverage
Boat & Watercraft Insurance
Watercraft policies cover physical damage to your boat, motor, and trailer plus the liability exposure that comes with being on the water — something homeowners policies only cover in very small amounts.
What a policy usually includes
- Hull, motor, and trailer physical damage
- Watercraft liability and medical payments
- Uninsured boater coverage
- Personal effects and fishing equipment
- Wreck removal and emergency towing
What to watch for
- Homeowners policies cap boat coverage at small limits and low horsepower.
- Agreed value vs. actual cash value changes what you're paid after a total loss.
- Lay-up and navigational territory limits apply on many policies.
Related coverage
Kriener Insurance is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
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