Watercraft Insurance


Watercraft Insurance Illinois

In many states, boat and personal watercraft owners will not be required to purchase boat insurance. Illinois and its surrounding states do not require watercraft insurance in order to operate a boat. You may be able to insure a boat while your boat is stored on your property under your homeowner’s insurance policy, but you will not be protected when the boat is in water.

An affordable watercraft or boat insurance policy from Insurance Navy can insure you against most risks of owning and operating your boat, its motor and its trailer. Just as importantly, it can protect you against liability lawsuits, should you injure someone with your boat or damage their property.

At Insurance Navy we offer watercraft insurance coverage for bass boats, sailboats, pontoons, powerboats and other watercraft valued up to $350,000 and 50 feet long. With our reasonably priced watercraft insurance policies, your boat is covered on all lakes and rivers in the U.S. and Canada and 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 of boats and personal watercraft we insure are:

  • Powerboats
  • Sailboats
  • Houseboats
  • Bass and fishing boats
  • Pontoon boats
  • Personal watercraft

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, over the phone, online or through our mobile app. to all residents in Illinois and Northwest Indiana.

Do you need more information about watercraft insurance? Our agents and customer service representatives are here to help. 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.

*Please review your own policy carefully for details on watercraft insurance. Insurance coverage varies by contract.

Any questions? Feel free to Contact Us

If you’re interested in our services, have any questions or concerns and want a call from one of our agents, please fill this form out.

If you need immediate attention, please call (708) 237-0404. Thank you!