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About Boat Insurance

We Offer Boat Insurance

Your boat is your passion and a sizable investment, Send Me A Quote wants to help you protect your investment. Boat insurance provided through Send Me A Quote covers a variety of boats and watercrafts, including runabouts, sailboats, Jetskis, WaveRunners, and luxurious yachts.

What Boat Insurance Covers:

Boat and watercraft insurance policies can be customized for your individual requirements.  At Send Me A Quote the following components can be included in your coverage:

  • Roadside assistance – covers broken down trailers
  • Total Loss Replacement – depending on age of the watercraft covers a comparable replacement or payment of original purchase price
  • Personal property replacement – coverage up to $5,000 for personal items
  • On-water towing – covers boats watercraft stuck in water
  • And more…..

Top Boat Insurance Questions

What does Boat Insurance cover?

Most boat insurance policies cover physical damage to the hull, sails, machinery, and most other equipment that is ordinarily used on board. Most damages are covered including vandalism, malicious mischief, and damage resulting from collision or sinking. ??Insurance coverage is individualized dependent on type and age of the boat or watercraft.  Your insurance policy outlines your coverage in detail.

What about Liability Coverage for your boat policy?

Liability insurance covers damage to another boat or watercraft and for bodily injury or death to another person while you are operating your You are also insured against liability losses. You are covered for damage you may cause to another boat, yacht, personal watercraft, sailboat or dock, and for bodily injury or death to another person while operating your vessel.

Under most boat policies, the boat trailer is covered against physical loss or damage from any external cause.

What additional coverage is included on a boat policy?

  • Coverage for your personal property
  • Coverage against injury to you caused by an uninsured boater

What types of boats can we help you insure?

  • Cuddy Cabin – A boat that contains a small cabin in the bow.
  • Walk Around – Cross between center console and a cuddy boat. Normally used as fishing boats containing a small cabin.
  • Ski Boats – Flat bottom, high torque boats designed to safely tow water skiers. Powered by high-horsepower engines.
  • Pontoon – Flat hulls that sit on pontoons.
  • Jet Boats – Propelled by a jet of water ejected from the back of the craft. Come in a variety of sizes.
  • Personal Watercraft (PWC) – WaveRunner, Jet Ski or Sea Doo.
  • Sailboats – A boat propelled partially or entirely by sails. Can be used for racing, sport or just cruising.
  • Bass Boats – A small, flat bottom boat used primarily for bass fishing in inland waters. They are often equipped with swivel chairs for easy casting.
  • Private Pleasure Craft from $50,000 to $200,000,000.

Is my boat covered when it's not in the water?

It’s covered if you have physical damage (comprehensive and collision) coverage.  Liability, Uninsured Motorist, and Expenses coverage is only used when your boat is in the water.

Boat Insurance Articles