Boat Insurance
Boats
Boat policies may address liability, physical damage, passengers, personal property and certain towing or assistance services depending on the policy.
Boat & PWC Insurance
Protection for life on the water.
From a day on the lake to weekends at the marina, your watercraft comes with its own risks and responsibilities. Trinity helps you discuss insurance around the boat or personal watercraft you own and how you use it.
Availability varies by watercraft,
operator, location and insurer.
Watercraft Profile
Start with what you own.
01 / TYPE
Boat or personal watercraft
02 / USE
Recreation, fishing or watersports
03 / STORAGE
Marina, trailer or private property
04 / EQUIPMENT
Accessories and onboard items
Watercraft Insurance
The vessel, the operator and the way it is used all matter.
Built Around The Water
Boat insurance goes beyond the hull.
The insurance conversation may include your vessel, passengers, equipment, liability and what happens when you are away from the dock.
Watercraft type, value, operator information, boating history, storage location, navigation area and selected limits may all form part of quoting and underwriting.
Trinity can help you organize those details and discuss insurance available through the agency.
Boat Or Personal Watercraft
Same water. Different machines.
Boats and personal watercraft can have different policy structures and risk details. Some insurers write PWC protection separately from boat policies.
PWC Insurance
Personal Watercraft
PWC insurance may address liability, physical damage, theft and other covered losses, with additional protection available from some insurers.
Watercraft Coverage
Protection from dock to open water.
Policy terms vary by carrier, watercraft and location. These are common areas that may form part of a boat or PWC policy.
Liability Protection
May help with certain covered injury or property-damage costs when an insured operator is legally responsible, subject to policy limits and terms.
Collision Damage
May help with covered damage when the insured watercraft collides with another vessel, dock or object.
Non-Collision Physical Damage
Depending on the policy, certain losses involving theft, vandalism, fire, weather or falling objects may be covered.
Uninsured Boater Protection
Some policies may provide protection when an insured person is injured by another boater who lacks enough insurance.
Medical-Related Protection
Medical payments coverage may be available for qualifying injuries to you or passengers after a covered boating accident.
Towing & Assistance
Some insurers provide optional on-water towing, fuel delivery or other assistance benefits.
Fishing Gear & Personal Property
Certain policies may provide limited or optional protection for qualifying fishing equipment, boating gear and personal items.
Trailer & Accessories
Trailer protection, custom equipment or additional marine accessories may be available depending on the insurer.
Watersports
Some policies address certain qualifying watersports-related liability situations.
How You Use The Watercraft
The day on the water changes the conversation.
Select the type of use closest to yours.
Recreational Boating
Days out with family and friends.
Recreational use can involve passengers, docking, equipment and different navigation areas.
- Identify regular operators.
- Discuss passenger use.
- Tell the insurer where the boat is used.
Fishing Use
The gear matters too.
Fishing equipment and onboard property may need to be discussed separately from the vessel itself.
- Review qualifying fishing equipment.
- Check personal-property limits.
- Report added marine equipment.
Watersports Use
Tell the insurer how the boat is used.
Towing skiers, wakeboarders or similar activity can add policy questions that should be discussed during quoting.
- Describe watersports activity.
- Review applicable liability terms.
- Confirm passenger-related conditions.
Personal Watercraft
Smaller vessel, different riding style.
PWC insurance can address the rider, passengers, watercraft, physical damage and liability depending on the policy.
- Identify regular riders.
- Provide PWC make and model.
- Report trailer or custom equipment.
Between Trips
Storage, docking and transport should be part of the policy conversation.
Docked, Stored Or Towed
Protection does not begin only after launch.
Where a watercraft is stored, whether it is kept at a marina, and how it is transported may all matter during quoting.
01
Marina storage
Some marinas may request evidence of insurance or certain liability limits.
02
Trailer transport
Discuss the boat or PWC trailer and how it is insured.
03
Navigation equipment
Report material electronics, equipment or installed upgrades.
04
Storage location
Tell the insurer where the vessel is kept when it is not being used.
Boat & PWC Quotes
What may shape the insurance quote?
Rating and underwriting rules differ by insurer and jurisdiction.
Watercraft details
Type, make, model, year, value and other vessel information.
Operator information
Operator and boating details may be considered where permitted.
Boating history
Prior boating or claim information may form part of underwriting.
Navigation area
Where and how the watercraft is used may matter.
Storage
Marina, trailer and storage details may affect the quote.
Policy selections
Limits, deductibles and optional protection affect the policy.
After An Incident
Know the next steps before leaving the dock.
Claim procedures differ by insurer. Coverage decisions are made according to the applicable policy.
Put safety first.
Address immediate safety concerns and seek emergency help when needed.
Record available information.
Keep details that may help when reporting the incident.
Notify the carrier.
Report the loss using the insurer's required claim process.
Follow claim instructions.
The insurer reviews the loss under the policy terms and coverage selected.
Insurers may request information about the boat, value, operators, boating history, location, storage, navigation area, equipment and requested coverage.
Not always. Personal watercraft can have their own policy structure depending on the insurer. Tell Trinity exactly what type of watercraft you own.
Some boat policies may provide limited or optional protection for qualifying fishing equipment, boating equipment or personal property. Limits and exclusions vary.
Some insurers provide optional towing or assistance protection for situations such as breakdowns or other qualifying on-water events.
Trinity can discuss your watercraft, usage and insurance needs and review applicable policy options available through the agency.
Boat and PWC insurance availability, liability protection, physical-damage protection, personal property, towing, equipment coverage, deductibles, limits, premiums, eligibility and underwriting requirements vary by carrier, watercraft, usage and jurisdiction. Coverage is subject to the terms, conditions, exclusions and limits of the applicable insurance policy.
Boat & PWC Insurance
Take the protection out on the water.
Tell Trinity what you own, where you use it and the protection you want to discuss.
Get A Watercraft Quote