What does boat insurance cover?

If I get boat insurance, I'd specifically be looking for motor coverage. Is this included on policies?

Answer
“Most boat owners or personal watercraft insurance policies do provide coverage for the motor. Other common things covered are:
  • Hull
  • Trailer
  • Equipment
  • Accessories
  • Personal effects
Most boat insurance policies also include liability coverage, as well as medical payments for you and your passengers in the event of an accident.
To help you find the best rates on the coverage you want, be sure to shop around. While boat motor coverage is common, not every company offers it. As you request quotes online or through agents, be sure to specify the coverage you’re looking for to ensure you’re getting what you want.
If your home or auto insurance provider offers boat insurance, you can also bundle both types of insurance by insuring your boat with your current provider. You’ll likely see a discount for having multiple policies with the same provider.
If you want help shopping for insurance, check out the Jerry app—we’ll get you dozens of customized options from different providers so that all you have to do is choose the right policy for you. If you end up switching providers, we even help out with the paperwork, too! That way you can just focus on getting out on the water.”
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Emily Maracle
Answered on Sep 01, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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