Boat

Your time on the water should be as worry-free as your time on land. Boat insurance provides essential protection for your aquatic adventures, covering a variety of risks so you can enjoy every nautical mile with confidence.

Preparing for Your Boat Insurance Quote

To get a smooth, accurate quote, have these details ready:

• Valid Boating License (if applicable) – Some locations or boat types require a license.
• Boat Identification – Include make, model, year, and hull identification number (HIN).
• Storage and Usage – How and where you store and use your boat affects your coverage.
• Safety Equipment & Features – Any onboard safety gear or special modifications can impact your rate.

What Does Boat Insurance Cover?

• Liability Coverage – Protects you if you cause injury or property damage while operating your boat.
• Collision Coverage – Covers damage from collisions with other boats, docks, or submerged objects.
• Comprehensive Coverage – Covers non-collision events such as theft, fire, or natural hazards.
• Uninsured/Underinsured Watercraft Coverage – Safeguards against accidents caused by other boaters without sufficient insurance.
• Medical Payments Coverage – Covers medical expenses for you and your passengers after an accident.
• Personal Property Coverage – Protects items on your boat, like fishing gear, electronics, or safety equipment.
• Emergency Assistance & Towing – Provides help with towing to a marina or repair facility.
• Environmental Damage Liability – Covers cleanup and damage costs from fuel spills or other environmental incidents.

Comparing Boat Insurance Quotes

When reviewing quotes, ensure you’re comparing:

• Coverage types and limits
• Deductibles
• Boat value, usage patterns, and storage locations
• Specific risks, such as local weather or navigation waters

Set Sail with Confidence

Boat insurance isn’t just a requirement — it’s peace of mind for your aquatic lifestyle. Whether you’re cruising a lake, fishing in coastal waters, or exploring the open seas, the right coverage lets you enjoy every journey with confidence. Let United Choice Insurance help you chart the course to the perfect policy for your boat.