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Boat and Watercraft Insurance

Why do you need insurance for your boat or personal watercraft?

You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Home and auto insurance policies may provide limited coverage for personal watercraft. Ask your agent about the type of coverage that would best suit your needs.


boat, watercraft and rv




 Very pleasant. My agent is always prompt and friendly when I need help.  He goes the extra mile to ensure I receive the best service possible.

 DENNIS G, NEWPORT, MI

You can use our quick and easy quote form to begin your watercraft quote. If you would like to speak to one of our insurance professionals you can call one of our local offices.

*For an immediate quote – call to speak with an agent

Additonal information regarding insurance:
    -82 Yeas Ago ED's Shipbuilder Insured with E.W. Smith Insurance Agency
    -This Summer Save on Boat Insurance
    -5 Ways to save on auto insurance
    -See how you can get ID Theft coverage on your home policy
    -Do I need flood insurance?

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