The Foremost boat and personal watercraft insurance program means more choices for more people. Our marine packages contain industry-leading coverages and features which cover almost all types of watercraft — with a package and price point for just about everyone!
Boat Insurance Packages
Saver
Our most affordable package. Actual Cash Value loss settlement.
Plus
Our flagship package that provides great value for the price.
- Agreed Value/Total Loss Replacement Cost Settlement
- Watersports Liability
- Diminishing Deductible
- Depreciation Deferral
- Hurricane Haul-Out
Elite
The package for those who want the most coverage and policy features to protect their boating lifestyle.
- Boat Lifts/Hoists/Cradles
- Dinghy or Tender
- Fishing Tournament Fees
- Pets
- Trip Interruption
- Bahamas and Mexico Navigation
- Pollution Liability up to the OPA limit
- Enhanced Towing Services
- Loss Forgiveness
- Extended Total Loss Replacement Cost; Extended Depreciation Deferral, and even more Hurricane Haul-Out coverage
Pontoon & Pontoon Elite
Great rates and coverages for Pontoon owners.
Classic & Classic Elite
Tailored coverages and features for boats over 25 years old.
Performance & Performance Elite
Unique packages for boats with top speeds of 77 mph or greater.
Liability Only
Bodily Injury and Property Damage offered without the requirement of insuring the watercraft.
Personal Watercraft Insurance
Two package options with valuable features tailored for personal watercraft.
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.
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 and 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.
| 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 specified 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!"
We want you to take advantage of the knowledge!
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.
Take advantage of the knowledge at hand and locate an agent to help you choose the right insurance today, so you can relax tomorrow.
Why get an Agent?
Get Informed.
There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.
Get a Lower Cost.
Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right policy for you. This saves you from paying for the extras that you don't want.
Get Extra Time.
Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of having fun with the products you are insuring.
Get Personal Care.
Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.
Availability: Foremost Boat Insurance is available in all states and only available in the United States. Please note that coverages and coverage amounts vary by state and all coverages may not be available in all areas.
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.
