Boat Insurance & Personal Watercraft Insurance

Boat Insurance Packages

Boat Insurance & Personal Watercraft Insurance Coverages

• Watercraft Physical Damage

  Direct, sudden, and accidental coverage for your watercraft.

• Personal Liability

  Provides coverage for bodily injury and property damage sustained by others for which you are legally responsible.

• Uninsured Watercraft

  Provides coverage for compensatory damages for bodily injury that the insured is legally entitled to recover from the owner or operator of an uninsured watercraft. This coverage is subject to the policy Limit of Liability, exclusions and policy provisions. loss on your automobile, we will put $50 a day back in your pocket for up to 30 days.

• Medical Payments.

  Pays the necessary and reasonable medical expenses incurred or medically determined within one year from the date of an accident causing bodily injury to any person while in, upon, boarding or leaving the watercraft. If this and other insurance apply to a loss, this insurance is primary.

• Towing and Roadside Assistance

  If the watercraft is disabled while afloat or away from safe harbor or the trailer is disabled, we will pay for:
  • The cost of emergency labor performed at the site of disablement; or
  • Towing to the nearest place where needed repairs can be made; or
  • Delivery of gas, oil or battery; however, unless an Elite Package is purchased we do not pay for the cost of the items.

• Trailer

  Coverage for trailers equipped to transport your boat safely.

• Personal Property

  Includes wearing apparel, sports equipment, fishing equipment and other personal property owned by any of the insured or their guests while on board or being carried on or off the watercraft. If this and other insurance apply to a loss, this insurance is primary.

Boat Insurance & Personal Watercraft Insurance Discounts

In addition to our broad eligibility and great rates for boat insurance or personal watercraft insurance, we lead the industry in discounts! The following discounts are available to those who qualify*.

• Lay-Up Discount

  Receive a discount when you store your boat or personal watercraft out of water for at least three months per year.

• Paid in Full Discount

  Applies for the first full policy term when you pay the full amount of your policy up front.

• Boating Safety Course

  License Discount Applies with an approved boating safety course or marine license. The more you have, the more you can save!

• Protective Device Discount

  Receive a discount when your boat has features like Automatic Fire Extinguishing Equipment, Monitoring Systems, Alarm System, No Strike Lightning System, Theft Recovery System, Dock Assist, NMMA Certification or a PWC Brake System. The more features it has, the bigger the discount!

• Multi-Policy Discount

  Available with one or more additional personal lines or life policies with Foremost, Farmers®, Bristol West® or 21st Century.

• Multi-Unit Discount

  Receive a discount when you insure more than one unit on a policy.

• Loss Free Renewal Discount

  Receive a discount after three consecutive years of loss free experience.

• Prior Insurance

  Applies for the first full policy term when you have had boat insurance or personal watercraft insurance for the prior year.

• Insured Age Discount

  Receive a discount when you are 55 years or older.

• Affinity and Alliance Discounts

  Operators who are members of an approved affinity group or alliance organization will receive a discount.

*Discounts may not be available in all areas.

Competitor Comparison

Program Features	Foremost Marine Choice	Leading Specialty Competitors	Typical Homeowners Policies
Total Loss Replacement Settlement	Available for boats up to three years old in Plus, five years old in Elite	Only available for boats up to one year old	Not Available
Diminishing Deductible	25% reduction for each consecutive loss-free renewal	20-25% reduction for each consecutive loss-free renewal	Not Available
Partial Loss Settlement	Replacement cost of parts up to 10 years in Plus, 15 years in Elite	Depreciate parts that are older than five years old	Actual Cash Value; Very low limits
Dinghy/Tender	Up to $10,000 coverage included in Elite	Not available	If covered, very low limits
Boat Lift/Hoist/Cradle	Up to $2,000 coverage included in Elite	Not available	Need to file Homeowners claim
Hurricane Haul-Out	Up to $500 coverage included in Plus, up to $2,000 in Elite	Not available	Not available
Enhanced Towing Services	Includes up to $250 for the cost of gas and oil in Elite	Not available	Not available
Fishing Tournament Fee Reimbursement	Up to $250 per event included in Elite	Not available	Not available
Bahamas/Mexico Navigation	Included in Elite	Available at a substantial cost with restrictions	Not available
Additional Pollution Liability	Up to the OPA Federal statutory limit included in Elite	Covered only up to the Personal Liability limit	Not available
Pet Coverage	Up to $1,000 coverage provided for a cat or dog in Elite	Not available	Not available
Trip Interruption	Up to $1,200 for lodging, meals, rental, and transportation costs in Elite	Not available	Not available
Lay-Up Discount	Available	Not available	Not available
Paid In Full Discount	Available	Not available	Not available
Protective Devices Discount	Stackable up to 10%	Not available, or not stackable	Not available
Safety Course Discount	Stackable up to 20%	Not available, or not stackable	Not available
Loss-Free Discount	Available	Not available	Not available

Why an Agent?

"Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first accident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"

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Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for you. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle. Period.

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