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Boat Insurance

Secure Boat Insurance

From unpredictable accidents to harsh weather, there are dozens of ways for your watercraft to sustain damage. Protect your yacht, jet skis, or any other maritime vehicles by obtaining boat insurance.

Veterans United Insurance can help you protect:

  • Personal watercraft (PWC)
  • Yachts
  • Pontoon boats
  • Powerboats
  • Sailboats
  • Fishing Boats

What does boat insurance cover?

Whether you frequent your local lake or enjoy taking your boat out on the ocean, boat insurance provides essential coverage for unforeseen incidents.

Protect your boats and PWC from:

  • Physical damage
  • Theft
  • Damage to another’s boat
  • Emergency rescue
  • Protection from damage caused by uninsured/underinsured boaters

Get Connected with an Agent Today!

Don’t hesitate to reach out to one of our insurance agents experienced in serving the unique needs of military families.

Liability Insurance

Regardless of the type of boat you own, there is always a risk of getting into an accident. And if you are at fault, you’ll likely need to compensate the other boater. Liability coverage can help cover another watercraft owner’s replacement or repair costs, medical bills, and legal fees for an accident on the water.

Scenario: You accidentally collide with another boat while trying to dock at a crowded marina. Thankfully, your watercraft liability insurance came into play and helps you cover the other boater’s boat damage and medical expenses.

Uninsured/Underinsured Watercraft Coverage

Most states don’t require boat insurance by law, so it is very possible for you to get into an accident with a boater who is either uninsured or underinsured. In cases where you’ve purchased this optional coverage and the accident is the fault of an uninsured/underinsured individual, this coverage type kicks in.

Scenario: You’re sailing on a busy lake when another boat collides with yours. The other boater lives in a state that doesn’t require watercraft insurance and refuses to compensate you for damages. Thankfully, your uninsured/underinsured watercraft coverage pays for your medical expenses and damage to your sailboat.

Comprehensive Boat Coverage

A collision with another boat isn’t the only thing that can damage your watercraft. Comprehensive boat coverage provides financial support to repair or replace your watercraft in cases of unforeseen events such as a fire or theft.

Scenario: While docked at the marina one night, a fire breaks out, causing extensive damage to your pontoon boat. Comprehensive boat coverage provides the necessary financial support to replace your boat.

Get Connected with an Agent Today!

Don’t hesitate to reach out to one of our insurance agents experienced in serving the unique needs of military families.

Why Choose Veterans United Insurance?

It may not be your main mode of transportation, but boat & PWC insurance is essential to protect your financial well-being. At Veterans United Insurance, our mission is to connect Veterans and service members with the best coverage at affordable rates.

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Boat Insurance Frequently Asked Questions

How much is boat insurance?

Your boat insurance cost will depend on the value of your boat and where you live in the country. Since boats are used less frequently than vehicles used for daily commutes, boat & PWC insurance typically costs less than auto insurance.

Is boat insurance required?

Unlike auto insurance, most states do not require boat & PWC insurance. However, it is important to note that marinas and yacht clubs typically have individual insurance requirements to protect the interests of their boating members.

Get Connected with an Agent Today!

Don’t hesitate to reach out to one of our insurance agents experienced in serving the unique needs of military families.

How does boat insurance work?

First, you will consult an agent to review your insurance needs and obtain coverage. Once covered, you’ll want to keep your insurance information on you at all times.

If an accident occurs, you will contact your insurance company online, by phone, or through the mobile app to relay the events to the best of your ability. From there, they will guide you through filing a claim to assess the damages, determine coverage, and facilitate the necessary steps for a quick resolution.

Do I need boat insurance?

Although boat insurance isn’t typically required by state law, it is highly advisable to consider obtaining coverage to protect yourself against potential damages and liabilities.

You should weigh the risks of not having it in your decision-making process, recognizing that unforeseen accidents or damages could result in tens of thousands of dollars in financial loss.

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