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Do you need a different type of boat insurance if you have a yacht?
I have a chance to upgrade my boat to a yacht. I currently have boat insurance. Do I need a new policy for a yacht?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Depending on which company your boat insurance policy is with, you may need a separate yacht policy.
Some insurance companies cover both boats and yachts under a standard boat insurance policy. If this is the case, they often offer additional coverages for yachts. This could include customized territory coverage or weather-related coverage.
Other insurance companies may offer specialty yacht policies. Typically yacht policies cover the following:
- Bodily injury liability
- Property damage
- Personal property
- Fuel spills
- Commercial towing
- Dinghies
As yacht policies are designed for larger boats with a crew, you’ll want to be sure that your policy meets all your needs. Like
car insurance
, every boat insurance policy is different. Each insurance company will have different terms and conditions for its policies.Comparing policies can sometimes be tricky and time-consuming. Whether you’re planning to bundle your insurance or shop with a new company, the
Jerry
app can be a useful tool. We’ll get you instant customized quotes from multiple providers so that you can easily choose the policy that works best for you—and if you need to switch providers, we can help with that, too! By comparing rates and coverages, you’ll be sure you’re getting the correct policy for your new yacht.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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