Boats & Yachts Insurance

Boats & Yachts Insurance Coverages

  • Liability Coverage – pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.
  • Collision Coverage – pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.
  • Comprehensive Coverage – covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.
  • Uninsured or Underinsured Boater Coverage – Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.
  • Medical Payments – Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.
  • On-Water Towing and Labor Coverage – This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.
  • Fishing Equipment Coverage – Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.
  • Personal Effects Coverage – pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.

We can cover:

  • Bass boats
  • Ski boats
  • Sailboats up to 26 feet long
  • Recreational power boats
  • Cabin cruisers
  • Day sailers
  • Runabouts
  • Pontoon boats
  • Jet boats
  • Bow riders
  • Deck boats
  • And much more!

Boat insurance coverage options:

  • Physical damage
  • Personal valuables
  • On-water towing
  • Rental reimbursement
  • Roadside assistance
  • Fishing equipment
  • Liability insurance
  • Medical payments
  • Uninsured boaters

Save on boat insurance with Elite!

There are lots of ways you could save with Elite. We’ve got discounts for:

  • Completing a boater safety course
  • Multiple boat coverage
  • Having a boat policy along with other Elite policies
  • And diesel fuel usage


We’ll ask all the right questions, and make sure you get all the savings.

(713) 644 8000