Boat & Personal Watercraft Insurance
Ever get that sinking feeling when you think about what might happen if your boat or personal watercraft (PWC) was damaged or destroyed? Would your insurance policy cover the full replacement cost?
Find an Agent
Take care of your insurance needs with a licensed agent in your area.
Get an Online Quote
Online requests will be sent via email within 2-3 business days.
Our Saver, Plus and Elite marine package options offer the coverage you want at affordable price points for nearly any type of watercraft — including bass boats, fishing boats, performance boats, runabouts, sailboats, classics, cruisers and pontoons!
Marine Insurance Coverages
See what’s covered under a boat or PWC policy from Foremost.
Watercraft Physical Damage
This is coverage for direct, sudden, and accidental damage to your watercraft.
Trailer Coverage
This provides coverage for trailers designed to transport your watercraft.
Personal Liability
This provides coverage for bodily injury and property damage sustained by others for which you are legally responsible. We also have coverage options for uninsured watercraft and medical payments.
Personal Property
Personal property includes apparel, sports equipment, fishing equipment and other personal property owned by the insured or their guests while on board or being carried on or off the watercraft.
Towing and Roadside Assistance
If the watercraft is disabled while afloat or away from safe harbor, or if the trailer is disabled, we will pay for the cost of emergency labor performed at the site of disablement, towing to the nearest place where needed repairs can be made, or delivery of gas, oil or battery. We will pay up to $250 for the cost of gas and oil if the Elite package is purchased. Subject to policy limits.
Boat and Watercraft Insurance Discounts
Here are just a few of the ways your can save money by choosing Foremost:
Paid-in-Full
You’ll receive a discount on your first policy term when you pay the full policy amount up front.
Multi-Policy
Get a discount when you store your watercraft or PWC out of water for at least three months per year.
Safety Course
Get a discount if you have completed a boater’s safety course or have a marine license.
FAQ Boat and Watercraft Insurance
Here are just a few of the ways you can save money by choosing Foremost:
Boat insurance is only mandated in a few states, but lenders and marinas typically require full coverage for liability and physical damage.
Yes, in the event of a covered loss, your watercraft is covered for physical damage when it is being towed or transported.
Yes, the policy term is annual, and coverage is not removed during the off-season.
Yes, your trolling motor can be covered either through the watercraft hull coverage if it is permanently attached, or through personal property if it is taken on or off your watercraft.
