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Frequently Asked Questions

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Watercraft Insurance Frequently Asked Questions

Firstly, watercraft insurance is very useful. But, there’s a lot of information to know before purchasing from an insurance company. That’s why we’ve created this watercraft insurance frequently asked questions page.

Because, Insurance Navy exists to help you with all of your insurance needs, from boat insurance quotes to physical damage coverage. Because, Insurance Navy exists to help you with all of your insurance needs, from boat insurance quotes to physical damage coverage. Our watercraft insurance covers a bevy of boats, including pontoon boats, fishing boats, and much more.

What watercraft insurance do I need?

Boat insurance is optional in many states, including Illinois. Moreover, the amount of insurance you need will vary on the type of coverage you want. At the very least, all owners should have liability insurance for their boat or personal watercraft.

What does it cover?

This depends on your policy and what coverage you selected. A basic policy includes liability coverage.

What is full coverage watercraft insurance?

It is not a set type of protection but rather a combination of coverages. Typically, it includes comprehensive and collision coverage. However, this will vary by insurance provider.

Where can I buy watercraft insurance?

You can buy it in-person at any of our offices, over the phone, online or through our mobile app.

How much is it a month?

The average cost is $429 a year, which breaks down to $35.75 a month.

Is it required in Illinois?

It is not required for boat owners

Which states require watercraft insurance?

Currently, only two states require it- Arkansas and Utah.

More Information

Need more information about marine insurance, total loss, or liability coverage? Our agents and customer service representatives are here to help with questions in the event of a loss. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. 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 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 how often you should shop for car insurance, to information on the Uber rewards program.

*Please review your own policy carefully for details on watercraft insurance coverage. Liability limits, and insurance coverages such as property damage or medical payments, vary by state and contract.