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Boat Insurance

Whether you’re a powerboater or a sailor, you’ll want to make sure your boat is covered from bow to stern. Insurance can help keep your investment safe.

Why you need boat insurance

Everyone wants to have a safe experience while they’re out on the water, but operating a boat does come with some risks that could result in costly injuries and damages. Insurance could help cover you, your passengers and your boat as well as other people and their property.

Erie Insurance offers coverage for sailboats, powerboats, houseboats, inboard or outboard motorboats and personal watercraft (Jet Skis, WaveRunners, WaveJammers).

How insurance can help protect you and your boat

The type of insurance coverage that you need will depend on a number of factors, such as the size, type, age and value of the boat.

You may have boat insurance coverage available through a homeowners insurance policy or you may need to buy a separate policy. A separate boat policy could provide you with additional liability coverage, broader coverage overall and higher limits for watercraft liability. Liability coverage can help pay for damages to someone’s boat, dock or other property.

Ask a trusted advisor like an Erie Insurance agent which type of policy is best for you. As with any insurance policy, it’s a good idea to talk with your agent about the policy details and coverage limits to be sure you have the protection that you need.

Boat insurance coverage from Erie Insurance

When something unexpected happens to your boat, ERIE offers coverage1 for:

Physical damage to your boat and boating equipment as well as the trailer or outboard motor, if it’s included in your policy. So if your boat is vandalized or it hits another boat, a rock, a log or a marine obstacle, insurance can help cover the damages.

Liability for injuries to other people or harm to property.

Medical costs for injuries to you, your family members and others.

With ERIE’s boat insurance coverage, we’ve also built in extras, such as coverage5 for:

Discounts on your insurance coverage

If you take a navigational safety course, you could save money on ERIE’s boat insurance policy. Ask an ERIE agent for more information.

Get a quote for boat insurance

There are lots of things that we consider when pricing your boat insurance. Get in touch with a local Erie Insurance agent, who can help you determine exactly what you need and what type of policy is best for you before you set sail.

Cost of items excluded.

Up to $500 in coverage, with no deductible, after the extinguisher is used in a covered fire.

Up to $500 in coverage if damaged by a covered peril. Additional coverage is available for purchase. Some personal effects are excluded.Excluded items include, but are not limited to, money, valuable papers, jewelry and credit cards.

Limited to $250 per occurrence with no deductible. Additional coverage is available for purchase.

Coverage is subject to policy provisions. See individual policies for specific coverage details. Certain terms and limitations may apply. ERIE's Boat Protector Policy is not available in Kentucky. Refer to our disclaimer

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Erie Insurance Group has earned A.M. Best's rating of A+ (Superior). Erie Family Life Insurance Company has earned A.M. Best's rating of A (Excellent). A.M. Best is a respected provider of financial ratings for insurance organizations. Such rating refers only to the overall financial status and is not a recommendation of the company.