Boat & Watercraft Insurance: Protect your watercraft & Crew

Torian Insurance offers a variety of watercraft insurance policies to choose from, so you have fun on the water without worrying if you are covered.  We will help you identify what type of boat insurance coverages you need specific to your lifestyle so that you are protected from the financial burdens of unforeseen events.

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What Is Boat insurance?

Boat insurance is a type of insurance policy that helps to protect boat owners in the event of an accident or damage to their boat. It can protect you from financial loss if your boat is damaged or stolen, or if you’re liable for damages caused by your boat. Boat insurance is typically not required by law, but it is a good idea to have if you own a boat. Many boat owners choose to purchase insurance through their homeowner’s insurance policy, but there are also standalone boat insurance policies available.

You can purchase other forms of watercraft insurance as well. In fact you can insure any watercraft asset you own such as jetskis, yachts, fishing boats, sail boats, etc.

Some things that you may want to consider when purchasing watercraft insurance include the type of watercraft you have, the value of the watercraft, and the amount of coverage you need.

do I need Watercraft insurance?

It’s generally recommended that you insure your watercraft so that you are protected from financial losses in the unfortunate event of an accident or injury. However, it is not a legal requirement in most states.

If you are financing a boat or watercraft you may be required to carry insurance. Sometimes, ports and marinas will also require you to have insurance for your watercraft.

Given the potentially high cost of repairs and medical bills, watercraft insurance can be a wise investment for anyone who owns or operates a boat. Whether you’re a weekend boater or a professional water athlete, watercraft insurance can give you the peace of mind to enjoy your time on the water.

What Does Watercraft Insurance Cover?

Generally speaking most watercraft policies cover bodily injury, property damage, and medical payments. Watercraft policies typically include liability limits in the case you are found liable or are sued for an accident. If you believe that you need additional protection beyond your existing liability limits, umbrella insurance might be right for you.

Examples of what boat insurance usually covers are:

There are always exclusions with any insurance policy so be sure to read every line on your watercraft policy. Things such as improper usage, racing, competitions, and more are not covered by watercraft policies.

No matter what life throws your way, we are committed to making sure you have the right policy that meets your needs.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

Kimberly H.

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

Debra H.

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