Watercraft Insurance Illinois

Firstly, many states do not require personal watercraft and boat owners to purchase boat insurance. Secondly, Illinois and its surrounding states do not require watercraft insurance to operate a boat. 

An affordable watercraft or boat insurance policy from Insurance Navy can insure you against most risks of owning and operating your boat, motor, and trailer. Just as importantly, it can protect you against liability lawsuits if physical damage or property damage is made with your boat.

At Insurance Navy we offer watercraft insurance coverage for bass boats, sailboats, and powerboats. With our reasonably priced watercraft insurance policies, your boat is covered on all lakes and rivers in the U.S. and Canada. Additionally, it covers your boat when it’s in ocean waters within 75 miles of the coast. Unlike other watercraft or boat insurance companies, we do not require policyholders to submit a navigation plan.

Common Types

Common types of boats and personal watercraft we insure are:

  • Powerboats.
  • Sailboats.
  • Houseboats.
  • Bass and fishing boats.
  • Pontoon boats.
  • Personal watercraft (including jet skis).

Moreover, boats and personal watercraft we are unable to insure include:

  • Boats over 50 feet in length or value at more than $350,000.
  • Personal watercraft worth more than $27,000.
  • Boats with max speed over 75 mph.
  • Boats that do not meet U.S. Coast Guard standards.
  • Boats used as residences.
  • Homemade boats with no serial number.
  • Houseboats with no motors.
  • Boats with more than two owners.
  • Steel or wood hulls.

We offer free watercraft and boat insurance quotes at any of our offices. As well as over the phone, online or through our mobile app to all residents in Illinois and Northwest Indiana.

More Information

Need more information about wreckage removal, medical payments, or vehicle replacement costs? Our agents and customer service representatives are here to help. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. Also for your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

We also have a strong presence on social media, so like or follow us on Twitter, Facebook, Instagram, or Pinterest. After that, we can keep you updated on helpful optional coverage tips, total loss and much more.

Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From Harley-Davidson’s rider safety courses to the different types of liability coverage for business owners.

*Please review your own policy carefully for details on watercraft insurance. Insurance coverages vary by state and contract.

Any Questions? Contact Us!​

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10338 South Harlem Avenue
Palos Hills, Illinois 60465