what does boat insurance cover?

Mastering the open water on your boat is a skill unlike any other. Makes sense, then, that it takes insurance unlike any other to keep your watercraft safe. With a policy through Esurance, you can benefit from boat insurance coverage options uniquely suited to withstand life's crashing waves.

types of boat insurance coverage

Boat insurance through Esurance is perfect for a huge assortment of boats — and boaters. Whether you sail every weekend or just take a couple of fishing trips a year, you can design a unique policy with one of our partners and get coverage for key facets of your boating lifestyle, such as:

Your liability

If you cause an accident, liability coverage helps cover others' property damage or bodily injury bills so you can protect your hard-earned savings.

Your wellbeing

If you're hurt in a boating accident, medical payments protection could cover your injury costs, and those of everyone in the boat at the time, no matter who was responsible. In some states, you must exhaust your regular health insurance before medical payments coverage kicks in.

Your boat

Property damage coverages like collision and comprehensive help keep your watercraft in tip-top shape. You can get help repairing or replacing your vessel if you collide with another boat or object, or suffer non-collision damage such as theft or fire.

Your personal effects and equipment

Even if you think your old, creaky boat isn't worth insuring, chances are the valuables you have on board are. Things like portable radios, wetsuits, and underwater cameras add up in a hurry.

If your boat is ever broken into, you could have trouble replacing your belongings out of pocket. When you get protection through Esurance, you can even secure coverage for pricy navigation gear and fishing equipment.

Your peace of mind

When things get a bit choppy on the water, coverage through one of our partners can keep your confidence cresting. With amazing supplemental protection, like uninsured boater and emergency assistance coverages, you can stay prepared in the event of unforeseen breakdowns and accidents.

boats that cannot be insured through esurance

While boaters can secure coverage for a wide variety of watercraft, there may be a few types of boats that are difficult to insure.

Depending on your state and specific policy, you could have trouble finding a policy for extremely large, expensive, or powerful boats, houseboats, live-aboards (boats used as primary residence), amphibious land boats, hovercrafts, airboats, homemade boats with no serial numbers, boats without a motor, boats that fail to meet U.S. Coast Guard regulations, boats with wooden hulls, and boats owned by more than 2 people.

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