Personal Insurance
Boat / Watercraft Insurance
Coverage for recreational boats and other personal watercraft
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Hull coverage for physical damage to the vessel from accidents, storms, sinking, and theft
- Bodily injury and property damage liability for injuries or damage caused to others
- Medical payments for injuries sustained by the owner or passengers
- Uninsured boater coverage for accidents caused by boaters without adequate insurance
- Coverage for permanently attached equipment, motors, and trailers
- Towing and assistance coverage for on-water breakdowns
Who It's For
- Owners of motorboats, sailboats, pontoon boats, and other recreational vessels
- Boaters whose homeowners policy provides only limited or no watercraft coverage
- Owners of larger vessels or high-value boats that exceed typical homeowners policy sublimits
- Boaters required by marinas, lenders, or state law to carry liability coverage