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Watercraft Insurance
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Watercraft Insurance Provided By Our Agency
Boats and personal watercraft are significant investments your ticket to adventure and relaxation on the water. Even when coverage isn’t legally required, having the right watercraft insurance Fort Wayne protection means you can focus on the fun, not the “what ifs.”
- Bodily Injury Liability: Pays medical bills and lost wages if you’re responsible for someone’s injury.
- Property Damage Liability: Covers repair costs when your vessel damages another boat or dock, often including pollution cleanup and wreck removal.
- Collision: Repairs damage to your watercraft, motor, trailer, and equipment from accidents with other boats or objects.
- Comprehensive (“Other Than Collision”): Protects against fire, theft, storms, and other non-collision losses to your vessel and gear.
- Uninsured/Underinsured Boater: Reimburses you when an at-fault boater lacks adequate coverage or flees the scene.
- Medical Payments: Helps pay medical costs if you or your passengers are injured while operating or riding your craft.
- On-Water Towing and Labor: Covers emergency towing and labor if your boat breaks down on the water.
Liability protection is the cornerstone—shielding you from legal bills and medical expenses if someone else is hurt or their property is damaged. Beyond that, all-risk coverage safeguards your investment against fire, theft, sinking, and weather. Add-ons let you customize your policy so it fits how and when you boat.
Premiums already account for local boating seasons, so whether you dock or store your vessel, you’re covered year-round. Vandalism, theft, sinking, and weather damage don’t keep schedules—and neither should your policy.
Already Have Watercraft Insurance? Switching Is Simple
If your current insurer’s service or rates no longer float your boat, we’ll guide you through a seamless transition. Just be sure your new policy is active before canceling the old one gaps could leave you unprotected and facing big bills.