Everyone wants to have a safe experience while they’re out on the water, but if there’s an accident; insurance could help cover you, your passengers and your boat.
If you’re new to boating, you might think you’re covered by home insurance, but the policy is not designed to offer you that protection. You need to buy a separate boat policy.
Some banks, marinas or states may require you to have boat insurance. For instance, to get a loan on your boat, most banks will want you to have boat insurance. Your marina may also want proof of insurance before they let you use the slip. Some states require insurance coverage, too.
At Erie Insurance, we want to help you protect the things that are important to you – and if you love the water – that includes your boat. ERIE offers coverage for sailboats, powerboats, houseboats and inboard or outboard motorboats as well as jet skis, wave runners and wave jammers.
If something unexpected happens, ERIE’s boat insurance policy could help cover1:
With ERIE’s property damage coverage, you’d be covered if your boat hits a rock, log or other marine obstacle. We also offer coverage if your boat is vandalized or stolen. Plus, we’ve built-in extras, including coverage for1:
If you take a navigational safety course, you could save money on your policy. Ask your agent for more information.
There are lots of things that we consider when pricing your boat insurance such as how much coverage you need and your boat’s location, size, age, power type and more. A local Erie Insurance agent can help you determine exactly what you need.
1Coverage is subject to policy provisions. See individual policies for specific coverage details. Certain terms and limitations may apply. ERIE's Boat Protector Policy is not available in Kentucky. Refer to our disclaimer for additional information.
2Limited to $250 per occurrence with no deductible. Additional coverage is available for purchase.
3Up to $500 in coverage, with no deductible, after the extinguisher is used in a covered fire.