Boat Insurance

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What is it?

Boat Insurance helps cover you in the event that you accidentally injure someone or damage someone’s property with your boat. You can also obtain coverage for your boat itself along with your belongings on the boat at the time of an incident.

What's covered?

The following coverages are offered by most boat insurance carriers:

  • Liability: If you are determined to be at-fault in a boating accident, this coverage pays for the resulting medical bills or costs to repair the damaged property of the other party.
  • Wreckage removal: This covers the cost of removing your boat from the water if it sinks.
  • Comprehensive: This coverage extends for damage to your boat caused by non-collision events, like theft, fire, or hail.
  • Collision: If your boat is damaged in a collision, this coverage will pay to repair your boat.
  • Uninsured/underinsured boater: This coverage will extend for your injuries and the injuries of your passengers if you are not-at-fault in an accident, but the other boater does not have insurance. Underinsured motorist coverage will extend if the at-fault party has insurance with liability limits lower than yours and it is insufficient to cover your injuries.
  • Medical payments: This coverage can extend to pay for injuries you or your passengers sustain in an accident, regardless of who was at-fault for the accident.
  • Trailer coverage: You can get coverage for the trailer that transports the boat on your boat policy rather than on a separate policy.
  • Fishing equipment/personal effects: This coverage will extend to your belongings on the boat, including clothing, scuba equipment, fishing equipment, and other personal items.

How does it work?

  1. If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
  2. While most states do not require Boat Insurance, it is strongly recommended to carry a minimum of liability coverage to protect your assets in the event that you injure someone in a boating incident.
  3. The following causes of damage are not typically covered by Boat Insurance:
    • Normal wear and tear
    • Defective machinery or machinery damage
    • Damage from sharks or other creatures
    • Damage from mold, insects, pests, and zebra mussels
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