Boat Coverage:
Underwritten by Kemper Insurance Company ; Farmers Home Group ; Safeco Insurance
Foremost Insurance ; Drive Insurance

Boat, RV and other policies offer various coverages and limits. The explanations of coverage are for comparative purposes only. Please review your own specific policy for exact coverages and limits.

Generally Available BOAT COVERAGES:

  • Physical Damage Coverage
    Protection for your boat, motor and trailer: You’ll need coverage for your boat, motor and trailer while boating, launching, hauling, or storing your vessel. We provide protection against theft, vandalism, windstorm, hail, lightening, fire and explosion. Our policy includes coverage if you strike a submerged object. We also provide coverage for your boat while it's being operated by an authorized user.
  • Emergency services:
    Your policy will include up to $100 for the reasonable expenses of emergency services such as towing, mechanical labor at the place of breakdown, and the delivery of fuel, oil, or a battery.
  • Wreck removal:
    Coverage is permitted, up to an additional 5% of your Physical Damage Coverage limit, for the reasonable cost that may be incurred by the attempted or actual raising, removal, or destruction of a covered watercraft. Liability coverages offer protection (including the cost of legal representation) from covered claims made against you or a resident family member for property damage or bodily injury.
  • Boat equipment:
    Policy provides boat equipment coverage equal to 10% of your Physical Damage Coverage limit.
  • Watercraft Liability Coverage
    Protection for your liability arising out of boat ownership: Protection in case you or a member of your household accidentally injures another person in a boating accident. This includes accidentally injuring a swimmer or water-skier.
  • Property damage liability:
    Coverage if you hit and damage a dock, or if your boat collides with and damages another boat.
  • Medical Payments Coverage:
    Medical payments protection can provide coverage for reasonable and necessary medical expenses resulting from injuries sustained in a covered boating
  • Accident including:
    The boat owner and the passengers in the covered boat. Water-skiers being pulled behind the covered boat. You, residents of your household and guest passengers, while swimming from the covered boat, if struck by any boat.
  • Other features:
    Coverage up to 100 nautical miles of either the U.S. or Canada.
  • Emergency services coverage.
  • Coverage for personal effects.
  • Optional Coverage to pay for the physical loss of belongings such as fishing or skiing equipment.
    Discounts may apply