Sailboat Insurance

Enjoy your time on the water without worry.

What makes sailboat insurance unique?

Insuring a sailboat comes with unique considerations that set it apart from covering other types of watercraft. The boat’s design and construction, such as hull type, rigging, and materials, play a key role in shaping policy options and premiums. Other factors, like your typical sailing area, whether you participate in racing, and the level of navigational skill required, also influence coverage terms and costs.

The overall cost of insuring a sailboat depends on several variables, including the vessel’s value, the owner’s sailing experience, and how the boat is used. Classic sailboats often require special attention due to their unique construction and usage patterns, while ocean-going vessels may need additional coverage to account for the greater risks of extended voyages. Because sailing presents distinct challenges, such as weather dependency and offshore travel, having a tailored insurance policy is essential to ensure your vessel and your lifestyle are fully protected.

Our Extensive Sailboat Coverage Options Include:

  • Liability Insurance
    Imagine being out on the water when an accident occurs—another boat is damaged, or someone is injured. Liability insurance is there to protect you in these situations, covering the costs of damages or injuries you may be held responsible for. While no one expects to face such circumstances, having liability coverage is a smart choice that allows you to enjoy boating with greater peace of mind.

  • Comprehensive & Collision
    Some risks are beyond your control. Comprehensive coverage protects your boat against unexpected events like fire, theft, or vandalism—even when it’s in storage. Collision coverage provides support if your vessel strikes another boat, a buoy, or a dock, ensuring repair or replacement costs don’t become a burden.

  • Uninsured/Underinsured Boaters
    Not every boater carries proper insurance, but you don’t have to pay the price for their oversight. If another boat collides with yours and the operator lacks sufficient coverage, uninsured/underinsured boater protection steps in. It helps cover repair costs and medical expenses, offering you an added layer of security so you can focus on enjoying your time on the water.

  • Medical Coverage

    Boat insurance isn’t only about protecting your vessel—it’s also about keeping you and your passengers safe. Medical coverage provides financial protection for injuries sustained on your boat, covering expenses regardless of who is at fault.

  • On-Water Towing
    If your boat breaks down, towing coverage ensures you won’t be left stranded. We’ll cover your towing costs up to the limit you select, so help is always within reach.

  • Personal Equipment
    Your gear matters. If your sailing or fishing equipment is lost or damaged due to a covered incident, we’ll reimburse you for replacement—up to $10,000—so you can get back on the water without worry.

  • Additional Coverages
    We also offer Roadside Assistance, Boat Rental Reimbursement, and coverage for your personal belongings, giving you even more peace of mind.

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