Boat Information
Insurance terms glossary
Marine safety

Get a boat insurance estimate

Follow the TunkleTales blog Follow Foremost on Facebook Tweet the Tunkles
Meet the Tunkles!Meet the Tunkles... and give these RV newbies some tips on their first cross- country road trip!
Foremost Boat Insurance
Share |

What to Look For in a Boat Insurance Policy
Boating enthusiasts know how important it is to have coverages beyond the standards offered by many companies, or by a rider on a homeowner's policy. In fact, many people think their boat is completely covered under their homeowner's policy until they have a loss.

Customers who own power boats, fishing boats, pontoon boats, small sailboats, older and lower-valued boats and other vessels 26 feet and less in length should look for specialized coverages that aren't always available under other policies out there. These include things like:

  • Wreck Removal
  • Pollution Coverage
  • High Liability limits

Optional coverages should also give boaters that little extra - the custom coverages that fit their lifestyle, whether they enjoy early-morning fishing, afternoon wave-riding or evening cruises. Some of the options should include:

  • Towing and Assistance - for the boat and trailer
  • Replacement Cost for personal property
  • Replacement Cost Coverage on trailer

Don't forget discounts! What might look like the most cost-effective policy at first, might really not be after factoring in the discounts a boater could be eligible for with a specialized policy, including:

  • Multi-Unit
  • Renewal
  • Prior Insurance
  • Affinity Groups
  • Boating Safety Course
  • Actual Cash Value
  • Safety Equipment
  • Multi-Policy
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. 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.