Watercraft Insurance
Cover for your boat, jet-ski and watercraft
Watercraft insurance covers your boat, jet-ski or small craft against accidental damage, theft, fire and sinking, plus liability for injury or damage you cause to others — on the water, on the trailer and in storage.
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Watercraft & Boat Insurance
- Accidental damage & sinking
- Theft & fire
- Third-party liability
What's covered
What watercraft insurance covers
Accidental damage & sinking
Collision, grounding, storm and sinking cover for the hull, motor and fittings.
Theft & fire
Covers theft of the craft, motor and equipment, plus fire damage.
Third-party liability
Protects you if you injure someone or damage property while on the water.
Why it matters
Why watercraft insurance matters
- Boats and jet-skis are high-value and costly to repair or replace.
- On-water accidents can cause serious injury and third-party claims.
- Cover often extends to the trailer, motor and safety equipment.
At a glance
- Accidental damage & sinking
- Theft & fire
- Third-party liability
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Watercraft insurance questions
Is my jet-ski covered by home insurance?
Standard home insurance rarely covers watercraft properly. A dedicated watercraft policy covers the craft on the water, on its trailer and in storage, plus liability.
Does watercraft insurance cover the trailer?
Many policies extend to the trailer used to transport the craft, but confirm this and any towing conditions with the insurer.
