Boat Insurance By Allstate
PROTECT YOUR BOAT FOR AROUND $20* A MONTH.
Even if you’re not required to have boat insurance, it’s important to protect your boat and your crew from harm. You can get that dependable coverage from Allstate at a surprisingly affordable price, along with the support of a knowledgeable agent who can help you navigate your policy. Experience the peace of mind that comes knowing your watercraft is covered, bow to stern.
Boat Insurance Coverage
BE THE CAPTAIN OF YOUR COVERAGE.
Whether you’re spending every day on the water or have your boat in storage for the winter, it’s important to keep your watercraft protected against the unexpected year round. Typically, coverage is not required by law, but your lien holder may have requirements. An agent can help answer your questions, but you can also learn about the coverage types below:
- Watercraft medical payments coverage
Helps pay medical costs if you or anyone on your boat is injured in an accident.
- Watercraft liability coverage
If there’s an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person’s boat or property.
- Property coverage
Covers the damage to your boat if you’re involved in an accident with another boat or something else, like a pier, buoy, dock or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.
- Repair cost
Covers the repair work done on your boat, motor, equipment or trailer with no deduction for depreciation*.
- Emergency services
If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.
- Uninsured watercraft coverage
If you’re in an accident with an uninsured boater, this helps pay for injuries that you, your family or anyone else on your boat sustains.
- Agreed value option
When you’re reimbursed for your boat’s value, you’ll be reimbursed for what it was worth at the start of the policy regardless of the current market value.
- Personal effect coverage
Covers your fishing equipment and other personal belongings if they’re damaged, lost or stolen.
- Additional boat equipment
Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.
- Boat trailer coverage
Covers damages to your trailer resulting from an accident or other unforeseen incident.
As a boater, you have specialized insurance needs. An Allstate agent understands your needs and can answer your questions about what different boat insurance coverage types protect so you can build a policy that makes the most sense for you. In addition to helping you with your policy, your agent can help you:
- Save money with boat insurance discounts
- Understand the claims process
- Access tips and expertise on boat safety and maintenance
Boat Insurance Discounts
REEL IN SOME IMPRESSIVE SAVINGS.
Love showing off your boat? You might find yourself telling all your friends how little you pay for your boat insurance, too. Get discounts on your Allstate policy for things like paying in full and owning a home while enjoying the quality protection you want for your watercraft. You can save with:
- Multi-policy discount
Save up to 20% when you combine your boat insurance with an Allstate homeowners policy.
- Full-pay discount
Pay your entire premium when you sign up, and you could save up to 10%.
- Homeownership discount
Enjoy a savings of 10% just for owning a home, townhouse, condo or mobile home.
- Boat education discount
Learning safety skills can be good for you and your wallet. Get a 5% discount if you’ve taken approved boater safety classes.
- Easy pay plan®
Save up to 5% when you have your insurance payments automatically deducted from your bank account. Easy pay plan is not available in all states.