Watercraft & Boat Insurance

Watercraft & Boat Insurance Information

As dependable as the tide, boat and watercraft insurance provides peace of mind when it comes to navigating bays, lakes and oceans. Protect your motorboat, sailboat or personal watercraft with the help of Solo Insurance®. As your local and online insurance agents, Solo Insurance® creates a personalized experience tailored to your goals to find the best boat and watercraft coverage plan for your choice of coverage.

Contact Solo Insurance® for a free, customized boat and watercraft insurance quote online or call 1-800-207-7656.

Solo Insurance® minimizes the impact of financial damage for the states of Kansas, Missouri, Illinois, Georgia, Nevada, Texas, Ohio, Indiana, Louisiana, Virginia, and Oregon.  


What does Boat and Watercraft Insurance Cover?

Standard boat insurance safeguards most watercrafts with engines including small fishing boats, powerboats, houseboats, yachts, and pontoons and a policy can be personalized to cover core areas.
  • Bodily injury liability:

Covers injury that you might cause someone for which you are legally responsible while using your boat.

  Standard policies for liability start at State-Required minimums and can be increased up to $500,000 CSL

  • Collision damage:

Optional protection helps toward collision-based repairs or replacement of your watercraft as the result of hitting a rock or other submerged object, running into a dock or other

boat, minus deductible

  A common coverage deductible is $500

  • Comprehensive:

  Optional protection helps toward compensating you if your boat is vandalized, stolen, or damaged in an incident other than a collision, minus deductible

A common coverage deductible is $500

  • Medical payments:

Optional protection that can help cover medical bills, like X-rays and hospital bills, if you or your passengers are injured in an accident on your boat

A common coverage amount is $1,000 for medical payments but can be higher

  • Property damage liability:

Protection covers damage you might cause to another’s watercraft, dock, and related boat structures

Standard policies for liability start at State-Required minimums and can be increased up to $500,000 CSL

  • Other coverage options that vary by state and carrier are Roadside Assistance, Personal Effects, On-water Towing, Coastal Navigation Extension, Wreck Removal. 


Things to Consider when Buying Boat Insurance

Review the following list with your agent to determine the best watercraft insurance policy for you.

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?  This will impact the deductibles you choose if you get physical damage coverage
  • Is my boat or watercraft covered for use year-round?  Most policies default to yes but there are some that have built in clauses that they don’t offer coverage in specific months. Often called lay up discounts.
  • What discounts and programs are available?  All the questions we ask you are to get you the most discounts possible. 
  • How much medical insurance and liability coverage is enough?  No one can decide for you but a good way to help decide is look at your Homeowner and Auto Insurance limits and consider your assets.
  • Do I want to have coverage if I need to have my boat towed in an emergency?
  • Is my carrier experienced in boat insurance?  If with Solo Insurance®, yes!


Things to Know when Buying Boat Insurance

  • Home and auto insurance policies may only provide extremely limited coverage for personal watercraft, and often only for non-motorized, very small boats like canoes. A personal watercraft policy protects you and your water vehicle, if you choose physical damage, in the event of an accident.
  • Without physical damage coverage like comprehensive and collision, losses to your boat are not covered.

 Contact a Solo Insurance® agent for a free boat and watercraft insurance quote online or call 1-800-207-7656.

Watercraft & Boat Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

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