Out on your boat, you leave your cares behind. You don't want to worry about what would happen if your boat was involved in an accident. Boat insurance protects you against accidents, vandalism, and insures you against liability. That means smooth sailing!
What does boat insurance cover? Insurance needs differ depending on the type of boat or watercraft you own. Your policy will explain in detail what is covered and what is specifically excluded. But these coverages generally apply:
Most policies cover physical damage to the hull, sails, machinery, furniture, and most other equipment that is normally used on board. Most perils are covered including vandalism, malicious mischief, and even damage that results from latent defects of workmanship.
You are also insured against liability losses. You are covered for damage to another boat or dock, and for bodily injury or death to another person as a result of your negligent operation or ownership of the boat.
Under most policies, the boat trailer is covered against physical loss or damage from any external cause.
The policy coverage provides compensation liability for injury to persons employed by you who may work on your boat, but are not crew members. Mechanics, carpenters, painters, and cleaners are included in this category. To be covered under this policy, they cannot be employed by your boatyard, and the federal Longshore and Harbor Workers' Compensation Act must apply to them.
You may purchase optional coverages as well, such as protection against damage caused by an uninsured boater, coverage for your personal property, and coverage for your fishing equipment.
No matter which nickname you prefer - jetski, waverunner, or recreational watercraft, we can help you out with coverage designed for many different types of personal watercraft.
If you have an existing boat policy purchased through the GEICO Property Agency, you can add your PWC or if you don't have a boat policy you can get a quote for personal watercraft insurance.
Please Note:
These are general policy descriptions to help you understand the different types of coverages. They do not refer to any specific contract of insurance, and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
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