Basic Coverage


Boat insurance is a contract between a policyholder and an insurance company that protects your watercraft and trailer, any damage you cause to others while boating, and other events.

Having the right boat insurance coverage is important to ensuring that your time on the water is relaxing and worry-free. At Insurance Navy, we will help you find a low-cost watercraft insurance policy that gives you all the protection you need before getting out on the water.

Depending on the type of boat or personal watercraft and how it is used, there are many options available for insurance.

At the very least, every boater should have liability coverage. Our basic watercraft insurance includes liability protection. Liability insurance protects policyholders from damages or injuries they are found at-fault for. This includes damage to other watercraft and objects as well as injuries to other boaters and passengers.

Our standard watercraft insurance policy also includes protection for water sport accidents. This coverage pays for any injuries or damages caused by tubing, knee boarding, wake boarding, wake surfing and similar water activities.

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.