Boat

Don't let a mishap ruin your fun on the water.

Boat insurance is an essential protection that all boat owners should consider, regardless of the perceived value of their boat. While it's understandable that some individuals might overlook or underestimate the need for boat insurance, there are several compelling reasons why having coverage is highly recommended:

1. Liability Coverage: Boat insurance typically includes liability coverage, which protects you financially in case you cause damage to another person's property or injure someone while operating your boat. Accidents can happen unexpectedly, and the costs associated with legal fees, medical expenses, or property damage can be substantial. Liability coverage helps mitigate these risks and provides peace of mind.

2. Property Damage: Even if you believe your boat isn't particularly valuable, unforeseen events such as storms, collisions, or theft can result in damage or loss. Repairing or replacing a damaged boat can be costly, and having insurance coverage ensures that you won't be burdened with the financial strain of unexpected repairs or replacements.

3. Theft and Vandalism: Regardless of a boat's value, theft or vandalism can occur anywhere. Boat insurance can provide coverage in such unfortunate incidents, offering compensation for stolen or damaged equipment, personal belongings, or the boat itself. Protecting against theft and vandalism is crucial for maintaining the overall security of your boat.

4. Natural Disasters: Natural disasters like hurricanes, floods, or severe weather can wreak havoc on boats, regardless of their value. Boat insurance can provide coverage for damages caused by these events, safeguarding your investment from unforeseen natural disasters that can occur in your area.

5. Peace of Mind: Insurance offers peace of mind and financial protection in case of unforeseen circumstances. By having boat insurance, you can enjoy your time on the water without worrying excessively about potential risks or accidents. It allows you to focus on the joys of boating and relaxation.

It's important to remember that the perceived value of a boat doesn't necessarily correlate with the potential risks or financial impact of accidents, damages, or theft. Boat insurance offers valuable protection and ensures that boat owners can navigate any unexpected situations with confidence and financial security.

Get the coverages you need.

You can select from a variety of Allstate Boat Insurance coverages to create a policy that can help protect your passengers, your gear and your boat.

1. Watercraft Liability –  Helps protect you from paying medical costs and certain expenses of others involved in an accident
2. Uninsured Watercraft – Helps pay for injuries you, your lamily or anyone on your boat sustains due to an accident with an uninsured boater
3. Watercraft Medical Payments – Helps pay for some of your medical costs or funeral expenses if you or anyone on your boat is injured in an accident
4. Your Property –  Helps pay for damage to your boat if you re involved in an accident, or if someone hits your docked boat
5. Personal Effects –  Helps cover your personal belongings, including fishing equipment
6. Additional Boat Equipment – Provides coverage for your boat accessories such as anchors, life jackets and navigation gear, up to policy limits.
7. Boat Trailer – Covers damages associated with your boat trailer, up to policy limits

Available Discounts

Save up to 40% on your boat policy when you qualify for one or more of our available discounts including:

• Boating Education –  Earn a discount for taking certain boating education courses
• FullPay –  Save when you pay your premium in full at the beginning of your policy period
• Easy Pay –  Earn a discount or setting up automatic withdrawals from your checking or savings account
• Early Signing – Switch to Allstate before your old policy expires at least seven days) to receive an additional discount
• Homeownership – Save on your boat policy if you're a homeowner
• Organization – Earn a discount if you belong to certain boating organizations
• Multiple Policy – Save on your boat policy just tor having your auto or home policy with us. Save even more if vou bundle additional policies, too.