Personal Insurance · Bancorp Insurance
Boat & Watercraft Insurance
On the Water. Fully Covered.
Boating accidents are expensive. Your homeowners policy probably doesn’t cover it. We make sure you’re protected on the water, on the trailer, and everywhere in between.
✓ Personal Watercraft & Jet Skis
✓ Sailboats & Pontoons
✓ Powered by OneDigital
Why It Matters
Your Homeowners Policy Probably Doesn’t Cover Your Boat
Many boat owners assume their homeowners policy has them covered. It often doesn’t — or it comes with strict size limits, horsepower restrictions, and minimal damage coverage. A dedicated boat policy protects your full investment.
On the Water
Collision, liability, and medical payments coverage while your boat is in use — protecting you, your passengers, and other boaters.
On the Trailer
Coverage extends to your boat and trailer while transporting. An accident on the highway is covered just like one on the water.
In Storage
Fire, theft, vandalism, and weather damage are covered whether your boat is docked, stored at home, or in a marina.
Frequently Asked Questions
Boat Insurance Q&A
Answers to the questions boat owners ask most.
Does my homeowners policy cover my boat? +
Maybe — but usually not fully. Most homeowners policies have size limits, horsepower restrictions, and minimal coverage for boats. A dedicated boat insurance policy provides proper protection for your vessel, equipment, and liability on the water.
What types of watercraft can be insured? +
We insure motorboats, fishing boats, pontoon boats, sailboats, jet skis, personal watercraft (PWC), and more. Coverage options vary by vessel type, size, and use — we’ll match you with the right policy.
Is the trailer covered under boat insurance? +
Yes. Physical damage coverage includes the trailer in the event of an accident or damage. Your boat is protected on the water and on the road.
What is guest passenger liability? +
Guest passenger liability covers injuries to passengers on your boat — not just third parties on other vessels. If someone on board is injured during an accident, this coverage pays for their medical and related costs.
Is my fishing gear covered? +
Yes — personal effects coverage includes fishing equipment and other personal property on the boat in the event of an accident or theft. Ask us about coverage limits and options for high-value gear.
What if I break down on the water? +
Our emergency on-water assistance package covers towing, labor, and emergency delivery of fuel, oil, or battery if your boat is disabled on the water — so you’re never stranded.
Am I covered if another boater hits me and has no insurance? +
Yes — uninsured/underinsured boater coverage protects you when the at-fault party doesn’t have adequate insurance. It’s an optional add-on we strongly recommend.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it.
