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Yachts, Boats & Charter Vessels Low Cost Actual Cash Value Coverage for Pleasure Boats
Pleasure Boat Policy At-a-Glance

Boats
• Up to 35 ft
• Speed up to 55mph

Actual Cash Value Coverage
• Hull Values of up to $150,000
• Broad Cruising Area
• Choice of Deductibles
• Trailer Coverage (Optional)
• Personal Effects Coverage (Optional)
• No Lay Up Period
• Hurricane Haul Out

Emergency Services
• 24/7 Dispatch of Resources
• Towing Assistance (Optional)
• Salvage Coverage and Wreck Removal

P & I (Liability, Defense & Indemnity)
• Up to $1,000,000
• $854,400 Fuel Spill Liability
• Medical Payments
• Uninsured Boater Coverage

Premium Discounts
• Approved Boating Safety Courses
• Multiple Policies

24/7 Claims Service
• Provided by Boating Experts
• Services of the BoatU.S. Catastrophe Team


The Pleasure Boat Policy is a great low-cost option for recreational boats valued up to $150,000. This Actual Cash Value policy pays the fair market value for the insured boat and equipment in the event of a loss. It’s the perfect policy for smaller less expensive boats. The premiums are low for the policy holder who is willing to share more of the expense to repair or replace their boat.

Our Pleasure Boat Policy features a Broad Cruising Area, Choice of Deductibles, Medical, Liability, plus Uninsured Boater Protection and $854,400 in Fuel Spill Liability.

Expert claims service is assured 24 hours-a-day, 7 days-a-week, along with immediate dispatch for boating emergencies. Salvage up to the boat’s value is provided and Wreck Removal up to the limit of liability selected.

No lay up period ensures year round protection. Optional coverages are available for Personal Effects, Towing Assistance on the water or the road, and for the boat trailer. Premium discounts are available for multiple policies and for completion of approved safety courses.

NOTE: Actual Cash Value policies depreciate ALL losses to the fair market value at the time of the loss.

*Agreed Value coverage also available (see Yacht Policy for details).