Watercraft Insurance

Watercraft Insurance with McLane Insurance

Enjoy Your Time on the Water with the Right Insurance Coverage

Owning a boat or watercraft can be one of life’s greatest pleasures—but it’s important to have the right insurance to protect your investment, your passengers, and your future on the water. McLane Insurance offers watercraft insurance policies that provide comprehensive coverage for all types of boats, from small personal watercraft to large vessels.


Our policies are designed to cover everything from damage caused by accidents to theft and liability coverage. Whether you’re a seasoned boater or a first-time watercraft owner, we’ll help you find the best policy to meet your needs.

Why Choose McLane Insurance for Your Watercraft Coverage?

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Comprehensive Protection

We offer policies that cover a wide range of incidents, including collisions, theft, weather-related damage, and liability protection for you and your passengers.

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Flexible Coverage Options

Whether you own a small boat, jet ski, or luxury yacht, we have customizable options to suit the size of your vessel and the type of activities you enjoy.

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Competitive Rates

With access to multiple top-rated insurance carriers, we can find you the best value for your coverage needs.

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Expert Guidance

Our team has extensive experience in watercraft insurance and is here to help you choose the right coverage and understand your policy every step of the way.

Watercraft Insurance Options We Offer:

Hull Coverage

Protects the physical damage to your watercraft caused by accidents, collisions, or weather-related events.

Liability Coverage

Covers injury to others and damage to their property caused by your watercraft.

Medical Payments Coverage

Pays for medical expenses if you or your passengers are injured while on your watercraft.


Uninsured/Underinsured Watercraft Coverage

Protects you if you’re involved in an accident with another boater who doesn’t have enough insurance.


Boat Trailer Insurance

Covers damage to the trailer used to transport your boat, whether it’s an accident or a theft.


Personal Property Coverage

Covers the loss or damage to personal items aboard your watercraft, such as fishing gear, equipment, or electronics.

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FAQs

Watercraft Insurance

  • What does watercraft insurance cover?

    Watercraft insurance typically covers damage to your boat or personal watercraft, liability for accidents, medical expenses, theft, and damage caused by weather. It may also include coverage for the trailer used to transport your vessel.

  • Is watercraft insurance required by law?

    While watercraft insurance isn’t always legally required, it’s highly recommended to protect your investment and ensure you’re financially covered in case of an accident. Some marinas and lenders may require proof of insurance.

  • Can I add my personal belongings to my watercraft insurance?

    Yes, you can add coverage for personal belongings such as electronics, fishing gear, and other equipment that you store on board your watercraft.

Get Your Watercraft Insurance Quote Today

Ready to hit the water with confidence? Fill out the form below to get a personalized watercraft insurance quote and see how McLane Insurance can help you protect your boat, your passengers, and your time on the water.

Don’t like forms?

Contact us at 401-433-4100 or email us.

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