Unique Coverage

Phone Overboard Coverage

Up to $600 coverage for your phone if it goes overboard. We know accidents happen on the water - you're protected.

Vanishing Deductibles

Complete self-inspections and watch your deductible decrease over time. Responsible boat ownership should be rewarded.

Expanded Fishing Equipment

Enhanced coverage for fishing rods, reels, tackle, and other fishing gear. Your equipment is as important as your vessel.

On-Water Towing

Comprehensive on-water towing coverage included. Get help when you need it most, without worrying about additional costs.

Flexible Coverage Options

Choose from Replacement Cost, Agreed Value, or Actual Cash Value coverage. Tailor your policy to match your needs and budget.

Smart Discounts

Discounts available for paid-in-full policies and boating experience. Save more when you pay annually and leverage your time on the water.

Easy Digital Platform

Quote, compare, and manage your policy online 24/7. Modern insurance designed for the way you live and boat.

Competitive Pricing

Tailored offerings for each risk at great prices. Get the coverage you need without overpaying for features you don't.

Why Choose Specialized Marine Insurance?

Standard boat insurance misses the mark. See what specialized marine coverage includes.

Standard Boat Insurance

  • Basic hull coverage
  • Liability protection
  • Standard medical payments
  • Phone overboard coverage
  • Vanishing deductibles
  • Expanded fishing equipment
  • Enhanced on-water towing
  • Flexible value options
  • Experience-based discounts
  • Modern digital platform

Specialized Marine Coverage

  • Comprehensive hull coverage
  • Liability protection
  • Medical payments coverage
  • Phone overboard (up to $600)
  • Vanishing deductibles
  • Expanded fishing equipment
  • Enhanced on-water towing
  • Replacement Cost/Agreed Value/ACV
  • Experience & paid-in-full discounts
  • 24/7 online platform
  • Tailored pricing per risk

Boat & Yacht Insurance Complete Guide

What Makes Specialized Marine Insurance Different?

Marine insurance designed by boaters for boaters includes protections that standard policies overlook. From phone overboard coverage to vanishing deductibles for self-inspections, specialized coverage understands what boat owners actually need on the water.

Pleasure Watercraft Coverage - Ideal For:

  • Vessel Types: Center consoles, fishing boats, ski boats, power boats, pontoons, runabouts, hydrofoils, and more
  • Boats up to 50 feet: Personal watercraft (PWC) up to 12 feet
  • Values up to $500,000: Comprehensive coverage for high-value pleasure craft
  • Speed: Up to 75 mph (bass boats up to 90 mph)
  • Age: Vessels up to 40 years old
  • New Boaters: Coverage available even without extensive experience

Yacht Program Coverage - Ideal For:

  • High-Value Yachts: Vessels valued up to $2.5 million
  • Length: Yachts up to 95 feet
  • Dinghies: Coverage for dinghies up to 25 feet / 150 HP
  • Extended Navigation: Extended navigation or one-trip coverage available
  • Professional Crew: Captain and crew coverage available
  • Total Power: Up to 10,000 total horsepower

Unique Coverage Features

  • Phone Overboard Coverage: Up to $600 for smartphones and devices that fall overboard or are damaged by water
  • Vanishing Deductibles: Complete periodic self-inspections to reduce your deductible over time - rewarding responsible boat ownership
  • Expanded Fishing Equipment: Enhanced coverage for fishing rods, reels, tackle boxes, and specialized fishing gear beyond standard policy limits
  • On-Water Towing: Comprehensive towing coverage for breakdowns, fuel delivery, and emergency assistance while on the water
  • Flexible Valuation: Choose Replacement Cost (full cost to replace), Agreed Value (pre-agreed amount), or Actual Cash Value (depreciated value)
  • Tailored Risk Pricing: Each vessel is individually assessed for accurate, fair pricing based on actual risk factors

Who Should Consider Specialized Marine Insurance?

  • Owners of pleasure craft, fishing boats, and ski boats
  • Performance boat enthusiasts with vessels over 75 mph
  • Serious anglers with valuable fishing equipment
  • Yacht owners with vessels requiring extended navigation
  • New boaters seeking comprehensive first-time coverage
  • Anyone who values modern, digital insurance management
  • Boat owners who want coverage that truly understands boating lifestyle

Available Discounts

  • Paid-in-Full Discount: Save by paying your annual premium upfront
  • Boating Experience Discount: Leverage your years of safe boating for lower rates
  • Vanishing Deductible: Reduce your deductible over time through regular self-inspections
  • Multi-Vessel Discount: Insure multiple boats for additional savings

Why Choose Modern Marine Insurance?

Traditional boat insurance was designed decades ago and hasn't kept pace with how modern boaters use their vessels. Specialized marine insurance includes unique protections like phone overboard coverage, vanishing deductibles, and expanded fishing equipment coverage because those are the real risks boaters face today. With 24/7 online management, flexible coverage options, and pricing tailored to your specific vessel and usage, you get insurance built for how you actually boat.

Coverage Flexibility

Every boat and every boater is different. That's why specialized marine insurance offers three valuation methods - Replacement Cost for maximum protection, Agreed Value for investment-grade vessels, or Actual Cash Value for budget-conscious coverage. Combined with customizable deductibles, liability limits, and optional endorsements, you build a policy that matches your exact needs.