What Does Boat Insurance Cover?

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

Travel protection is offered by our trusted partner, Travel Insured International, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Pet insurance is offered by our trusted partner, PTZ Insurance Agency, Ltd through its ASPCA® Pet Health Insurance program via InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

ZIP Code is required and must be 5-digits

Motorcycle insurance is offered by our trusted partner, Dairyland®, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Flood insurance is offered by our trusted partner, Neptune Flood, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Boat and yacht insurance coverage

More inclusive basic boat insurance coverage

Get basic boat insurance coverage with protection for which other carriers may require additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing reimbursement, fuel spills and dinghy coverage.

Uninsured boater insurance coverage

Coverage for incidents that involve another boater who may not have boat insurance coverage. If you've chosen sufficient limits on your policy, uninsured boater coverage can help cover your medical bills and bodily injury resulting from an accident with someone who’s uninsured. Coverage extends to you, your family and your passengers. Requirements for uninsured boater coverage vary by state.

Flexible coverage options

Choose between agreed value and actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel. Actual cash value earns you a premium discount. In the event of a loss, settlement is based on a depreciated value.

Towing and assistance reimbursement

Coverage that provides reimbursement for transportation of your boat to a repair facility when it's inoperable, as well as for gas delivery (but not the gas itself) and roadside assistance.

Personal property coverage

Coverage that protects personal property on the boat, including but not limited to fishing equipment, clothing and boating-related equipment such as life vests.

Physical boat damage coverage

Coverage that provides protection in the event of a collision such as with a submerged object or another boat.

Liability coverage

Boat insurance coverage that helps cover costs of bodily injury or damage to the property of others.

ADDITIONAL COVERAGE FOR YACHTS

Yacht insurance hurricane haul-out coverage

Travelers will share 50% of the cost up to $1,000 per occurrence and $2,000 per policy period to move your vessel to safety during a named windstorm watch or warning.

Dinghies/ t enders  

16 feet or less with 50 horsepower or less.  

Customized navigation

Territories to match your needs.  

More about boat insurance

BOAT AND YACHT OVERVIEW

Keep your family, friends and boat protected. Get a boat insurance quote today.

WAYS TO SAVE

Bundling policies and taking safe boating courses can save you money on boat and yacht insurance.

FAQ

Got questions? We have the answers.

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From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

Umbrella insurance

This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.

Home insurance

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs. 

Bundle and save

Bundle more and you could save more.

PREPARE & PREVENT

Insights to help you manage risks at home and on the road

Safe Boating Resources

Make safety your first priority: Have essential safety gear with you and know the common mistakes boaters make so you can avoid them. Explore our boating safety tips now.

Safe Boating Resources

Help prepare for boating emergencies by keeping a boat emergency kit and other boat emergency equipment on board.

Safe Boating Resources

Are you considering a boat purchase? The following questions can help you decide if you're ready to take the helm.

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. Home Insurance is underwritten by Travelers Personal Insurance Company, One Tower Square, Hartford, CT 06183. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT; or Travelers Property Casualty Insurance Company, Certificate of Authority #6521; State of Domicile: CT. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority #3545, State of Domicile: CT. Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545, State of Domicile: Connecticut. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. All underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle Insurance, Flood Insurance and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, flood coverage and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.