Boat & Watercraft Insurance
Stay Afloat with Reliable Protection.
What Is Boat & Watercraft Insurance?
Boat and watercraft insurance provides essential protection for your vessel, offering coverage for damages, theft, and liability while you're on or off the water. Whether you own a speedboat, sailboat, jet ski, or fishing boat, the right policy ensures you're financially protected from unexpected events such as accidents, weather damage, or personal injury claims.
At Allgood Insurance, we offer tailored watercraft insurance policies that provide peace of mind, so you can enjoy your time on the water worry-free.
How Does Boat & Watercraft Insurance Work?
Boat insurance works similarly to auto insurance, covering both damage to your vessel and liability for injuries or damage you may cause to others. A typical policy includes:
Physical Damage Coverage
Pays for repairs or replacement if your boat is damaged due to collisions, storms, theft, or vandalism.
Liability Coverage
Protects you if you’re responsible for causing injury to others or damage to their property.
Medical Payments Coverage
Covers medical expenses for you and your passengers in the event of an accident.
Uninsured/Underinsured Boater Coverage
Provides protection if you're involved in an accident with an uninsured or underinsured watercraft operator.
Towing & Assistance Coverage
Helps with the costs of on-water towing and emergency services if your boat breaks down
Personal Effects Coverage
Protects fishing gear, electronics, and other personal belongings stored on your boat
Why You Needs Boat & Watercraft Insurance
Whether you’re out for a day of fishing, cruising, or water sports, having the right insurance can help you:
Protect Your Investment
Boats and watercraft are valuable assets that require protection from unexpected risks.
Cover Liability Costs
Accidents can happen—ensure you're protected from potential legal and medical expenses.
Prepare for Unforeseen Events
Weather, theft, and mechanical breakdowns can disrupt your plans and lead to costly repairs.
Get a Boat & Watercraft Insurance Quote Today
Set sail with confidence, knowing your vessel is fully protected. Contact Allgood Insurance today for a personalized boat insurance quote and enjoy worry-free days on the water.