Boat Insurance

These include Jet Ski®, WaveRunner®, Sea-Doo® and most other brands.

What does personal watercraft insurance cover?

• • Property damages and bodily injuries

  Your policy may cover damages and injuries if you cause an accident. You can add coverage for medical costs, up to your policy's limit, no matter who's at fault.

• • Your stuff

  Get coverage for your personal property, such as your skis, sunglasses or phone.

This could be a freshwater or saltwater boat with an inboard or outboard motor. Also known as powerboats, these include:

What does motorboat insurance cover?

In addition to standard coverage, such as bodily injury and property damage liability, your coverage can include:

• • On-water towing

  Jump starts and fuel delivery are included.

• • Water sports

  This includes injuries or property damage you're liable for while tubing, kneeboarding, wakeboarding, wakesurfing and waterskiing.

From bass boats to offshore boats, these vessels are designed for fishing.

What does fishing boat insurance cover?

In addition to standard coverage, such as bodily injury and property damage liability, your coverage can include:

• • Fishing equipment

  Add full replacement coverage up to available limits for your fishing gear. You can also get coverage for personal items if they're damaged, stolen or lost.

Built on hollow metal cylinders, pontoon boats are great for lakes and rivers.

What does pontoon insurance cover?

In addition to standard coverage, such as bodily injury and property damage liability, your coverage can include:

• • Water sports

  This includes injuries or property damage you're liable for while tubing, kneeboarding, wakeboarding, wakesurfing and waterskiing.

• • On-water towing

  Jump starts and fuel delivery are included.

• • Your stuff

  You can add coverage for your personal property, such as your skis, sunglasses or phone.

Powered in full or partially by the wind, these boats have at least one sail.

What does sailboat insurance cover?

Standard coverage includes bodily injury and property damage liability. You can also expect:

• • No depreciation

  Most partial losses will have no depreciation.

• • Agreed value

  If your sailboat can't be repaired after a covered incident, you'll receive the value listed on your policy.

If your boat is worth more than $150,000 or longer than 26 feet, you may need yacht coverage.

What does yacht insurance cover?

• • Hull and equipment

  Get protection for damage from fire, explosions, sinking or collision, as well as ice and freezing conditions. Your policy may also pay the reasonable cost to prevent further damage.

• • Total loss

  Markel will waive the deductible on most total losses, and you'll receive the agreed value listed on your policy.

• • Partial loss

  Most partial losses will have no depreciation.

• • Your stuff

  Get personal effects coverage for your other property, such as clothing, sunglasses and phones.

• You may also get coverage for emergency towing and assistance, rental reimbursement, uninsured boaters, pollution liability, medical payments and paid crew.