General Acceptability
- Boats up to 50’ in hull length and up to $350,000 in value (in select areas, boats up to 35’ in length and $175,000).
- Personal watercraft (PWC) up to $27,000 in value.
- Boats up to 75 MPH (bass boats up to 90 MPH).
- Boats up to 500 horsepower single engine and up to 1,000 horsepower dual engines.
- Navigational areas: Inland lakes, rivers, and waters within 75 miles of the coast of the US & Canada; 125 mile navigational limit endorsement available which includes Bahamas.
Specialty Coverage
- Actual Cash Value (ACV) – Pays lower of ACV or Rating Base.
- Agreed Value (AV)- Pays Rating Base in event of total loss.
- Total Loss Replacement (TLR)- Replaces current boat with new boat.
- Disappearing Deductibles- Deductible reduced at 25 percent following each claim-free policy period. Included with TLR and AV. Now available to purchase with ACV coverage.
- Primary Fishing Equipment Coverage- $10,000.
- Primary Replacement Cost Personal Effects- $5,000.
- Roadside Assistance- 24 hours a day, 7 days a week.
- Emergency Towing (on-water) available limits $300, $500, $1,000 or $2,500 per occurrence for boat and PWC.
- Medical Payments available up to $10,000.
- Fuel Spill Liability- Coverage of unintentional oil or fuel spills that result in bodily injury or property damage.
- Wreckage Removal- Pays reasonable costs incurred by insured for any attempted raising, removal or destruction of wreckage; included with Comprehensive and Collision Coverage, or Liability Coverage when required.
- Water Sports Coverage- Automatically included when Liability and Medical Payments Coverage’s are purchased. Water sports coverage covers bodily injury or property damage caused by persons towed by a covered vehicle for water sports such as water skiing, knee boarding, wake boarding, and tubing.
- Uninsured Boaters- Pays a covered person occupying a boat or PWC for bodily injuries caused by the owner or operator of an uninsured/underinsured boat or PWC.
- Pet Injury Coverage included with comprehensive/collision- up to $1,000.
