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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Call (812) 424-5503 or fill out the form below to get started.

watercraft insurance

Enjoy Your Watercraft Without Worry

Whether it’s a boat, yacht or jet ski, your watercraft should provide stress free enjoyment. Watercraft insurance provides financial protection against accidents, theft, natural disasters, and liability. It allows boat owners to enjoy their time on the water with friends and family without worrying about financial losses that may arise due to unforeseen circumstances. Watercraft insurance usually covers:

Protect Everyone On Board With Watercraft Insurance

Contact A Trusted Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we provide sound guidance to our customers.

Find The Right Coverage For You

Based on your specific needs, Torian will use its access to multiple insurance companies to find the right coverage for you. As your needs change, we will customize your policy to best protect you and your boat.

Get Protected & Rest Easy

We are passionate about protecting what matters most to you. When it comes your boat, rest easy knowing you are covered with premier watercraft insurance from Torian.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

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.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your family is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Boat Insurance FAQs

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.

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.

The cost of watercraft insurance can vary depending on a variety of factors, such as the type of watercraft, its value, where it will be used, your age, your driving record, and the level of coverage you choose. Generally, the average cost of watercraft insurance is around $300 to $500 per year for basic coverage. However, more comprehensive coverage can cost significantly more.

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.

Watercraft insurance can cover a variety of types including:

  • Fishing boats
  • Pontoons
  • Yachts
  • Sailboats
  • Jet-skis, WaverRunners  and other personal watercrafts
  • Power boats

Some common discounts and ways to save  on boat insurance are:

  • Multi-policy discount
  • Multiple boats discount
  • Homeowner’s discount
  • Boat education/ safety course discount
  • Original owner discount
  • Safe driving record

In most states, boat insurance is not required by law. However, if you plan to finance your watercraft, your lender may require you to carry insurance. Additionally, marinas and other docking facilities may require proof of insurance before allowing you to keep your boat there. Even if insurance is not required, it is highly recommended to protect your investment and minimize your financial risk.

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.

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!

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.

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