Watercraft & Boat Insurance

Standard policies may fall short when it comes to covering boats and watercraft. MTN Insurance Services offers insurance for fishing boats, pontoons, sailboats and personal watercraft that can match your needs.

What Is Covered by Watercraft and Boat Insurance?

Standard watercraft and boat insurance policies may include:

• Liability coverage may cover costs if the policyholder is responsible for injuries or property damage to others while operating the boat.
• Physical damage coverage can help pay for repairs or replacement if the boat is damaged by collisions, storms or vandalism.
• Uninsured/underinsured boater coverage may provide coverage if the policyholder is involved in an accident with an at-fault boater who lacks adequate insurance.
• Personal effects and equipment coverage can extend coverage to fishing gear, electronics and other items on board.

Why Does This Coverage Matter?

Insurance may not be required for every boat, but some marinas and lenders may require proof of coverage. A policy can help manage costs from accidents, damage or liability, even when coverage is not mandatory.

What Can Influence Your Insurance Costs?

Coverage options and premiums may depend on several factors, including:

• Boat type, size and value: Costs may vary based on the kind and value of the watercraft.
• Usage and location: Where and how the boat is used can influence risk levels.
• Storage and security: Storage methods, such as marina, dry dock or trailer, may affect pricing.
• Experience and claims history: Boating experience and prior claims may impact rates.

MTN Insurance Services Supports California Boaters

We can help you find the right watercraft coverage. Contact us today to learn more and request a no-obligation quote.