Boat & Personal Watercraft Insurance

Ever get that sinking feeling when you think about what might happen if your boat or personal watercraft (PWC) was damaged or destroyed? Would your insurance policy cover the full replacement cost?

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Take care of your insurance needs with a licensed agent in your area.

Get an Online Quote

Online requests will be sent via email within 2-3 business days.

We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.

Our Saver, Plus and Elite marine package options offer the coverage you want at affordable price points for nearly any type of watercraft — including bass boats, fishing boats, performance boats, runabouts, sailboats, classics, cruisers and pontoons!

Marine Insurance Coverages

See what’s covered under a boat or PWC policy from Foremost.

Watercraft Physical Damage

This is coverage for direct, sudden, and accidental damage to your watercraft.

Trailer Coverage

This provides coverage for trailers designed to transport your watercraft.

Personal Liability

This provides coverage for bodily injury and property damage sustained by others for which you are legally responsible. We also have coverage options for uninsured watercraft and medical payments.

Personal Property

Personal property includes apparel, sports equipment, fishing equipment and other personal property owned by the insured or their guests while on board or being carried on or off the watercraft.

Towing and Roadside Assistance

If the watercraft is disabled while afloat or away from safe harbor, or if the trailer is disabled, we will pay for the cost of emergency labor performed at the site of disablement, towing to the nearest place where needed repairs can be made, or delivery of gas, oil or battery. We will pay up to $250 for the cost of gas and oil if the Elite package is purchased. Subject to policy limits.

Boat and Watercraft Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:

Paid-in-Full

You’ll receive a discount on your first policy term when you pay the full policy amount up front.

Multi-Policy

Get a discount when you store your watercraft or PWC out of water for at least three months per year.

Safety Course

Get a discount if you have completed a boater’s safety course or have a marine license.

FAQ Boat and Watercraft Insurance

Here are just a few of the ways you can save money by choosing Foremost:

Boat insurance is only mandated in a few states, but lenders and marinas typically require full coverage for liability and physical damage.
Yes, in the event of a covered loss, your watercraft is covered for physical damage when it is being towed or transported.
Yes, the policy term is annual, and coverage is not removed during the off-season.
Yes, your trolling motor can be covered either through the watercraft hull coverage if it is permanently attached, or through personal property if it is taken on or off your watercraft.

Industry Leading Coverage Features

Our Plus and Elite packages contain many desirable coverage features such as: total loss replacement cost, diminishing deductible, pollution liability, hurricane haul-out, boat lift, trip interruption, and even coverage for pets!

Our Claim Service for Your Watercraft

Foremost adjusters are trained to handle specialized boat and watercraft claims, and they are available 24/7 to help you through the process all the way from filing a claim to getting back on the water.

Hop on board with A Better Insurance Experience®

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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