Watercraft & Boat Insurance


Watercraft & Boat Insurance Quote Forms

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


Watercraft & Boat Insurance Customer Service Options

Policy self-service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Watercraft & Boat Insurance Information

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft, and damage can occur while in storage.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Homeowners insurance policies may provide very limited coverage for watercraft. Talk to us about coverage limits. You may want to consider purchasing a watercraft policy to protect yourself and your water vehicle in the event of an accident.

A watercraft policy covers:

  • damage to your watercraft caused by fire, collision, theft, sinking, hitting a submerged object, tornado, hail, and many other causes
  • bodily injury liability
  • property damage liability
  • guest passenger liability
  • medical payments

Additional coverage can also be purchased for trailers and other accessories.

Disclaimer: coverage descriptions above are general descriptions and do not alter the coverage agreements or provisions of the policy.  Refer to a policy for full details.

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Boer Insurance Group | 2535 Five Mile Road NE, Grand Rapids, MI 49525 | Ph: 616-363-7766 | Fx: 616-363-6626
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