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Boat & Yacht Insurance

Water recreation is a growing recreational activity. If you’re a boater, don’t assume that all watercraft users are as responsible and safety conscious as you. You share the waterways with many unregistered boaters which makes it even more important that you have proper protection. Give yourself the peace of mind of knowing that your guests, your family and you are protected if an accident should occur.

what’s covered

What you need and specific coverage varies depending on the type of boat you own. Your policy will provide details of coverage; however, a boat insurance policy commonly protects you for:

  • Accidents causing physical damage to the boat and in most cases trailers caused by storms, collision, fire, sinking, capsizing, stranding, explosion or theft. This includes attached equipment as well as anchors, oars, dinghies, electric motors, extra fuel tanks, tools, canopies, seat cushions and life preservers.
  • Damage caused by vandalism or malicious mischief.
  • Medical payments for injuries to the boat owner and other passengers
  • Liability and legal defense costs resulting from your ownership, maintenance, use, loading or unloading of your boat including:
    • bodily injury or death to another person
    • property damage caused to someone else’s property including other watercraft or docks
    • guest passenger liability for any legal expenses incurred by someone using the boat with the owner’s permission
  • Theft

optional coverage for better protection

Some situations are not covered by a basic boat policy. Be sure you have protection that covers:

  • Accidents with uninsured watercraft
  • Personal property that you keep onboard
  • Fishing equipment
  • Emergency service
  • Removal

Let us provide you with a comprehensive boat/yacht insurance quote. 

Get a Quote Murphy Insurance

NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information contact a Murphy Insurance Agency Associate.