Watercraft Insurance

Let us navigate your way through the storm.

For first time captains to experts who had sail the seven seas, nearly 1 million watercraft owners in the water, it's important for you to take extra safety measures before you get wet. You need more than just a life jacket and safety practices, having watercraft insurance is important for any unexpected risks at sea. Whether your boat is tied at dock, going for a fishing trip or planning to sail out on open water, Guardian Plus makes sure that you enjoy the pleasures on the water without having to worry about what could go wrong.


From sailboats to powerboats, to jet-ski’s and yachts, no matter what your pleasure is, Guardian Plus can help you find the right boat/personal watercraft coverage, we tailor an insurance policy to fit your unique needs. Our flexible plans are for virtually every type of pleasure boats or personal watercraft. We insure all types of boats and yachts including ski or tow boats, bass boats, deck boats, mini-jet boats, pontoons, high performance boats and personal watercraft.

A boat owner’s insurance policy can insure you against most risks of owning and operating your boat, its motor and its trailer. Find out what coverage is available and how to get the personalized boat insurance protection you need.

Even if your homeowner’s or renter’s policy does cover your personal watercraft, most of the time, physical damage coverage to the craft is not covered. Guardian Plus watercraft insurance policy provides comprehensive coverage for your watercraft and everyone on board, against damage arising just about anywhere – on the water, on the road or in storage.

These risks include:

  • Sinking
  • Fire
  • Flood
  • Storms
  • Theft
  • Capsizing
  • Stranding
  • Collision
  • Explosion
  • Vandalism

The property covered under boat insurance includes equipment permanently attached to the boat as well as:

  • Anchors
  • Oars
  • Electric Trolling Motors
  • Extra Fuel Tanks
  • Tools
  • Detachable Canopies
  • Seat Cushions
  • Life Preservers
  • Skis and their Tow Ropes
  • Dinghies

Just because you have boat insurance, doesn’t mean you’re properly covered. Your boat/watercraft is an important investment – even more important when you add accessories, equipment and a trailer. Our Guardian Plus Insurance coverage plans can provide you with coverage for your boat, Jet Ski, luxury yacht or catamaran against many different types of including:

Boat Owners Liability Coverage:

Protect you against liability lawsuits, if you injure someone with your boat or damage their property. Liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

Boat Medical Payments Coverage:

We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water. Medical payments coverage will pay for medical expenses of needed care to you and other occupants injured in the result of a boating accident. Covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Physical Damage or Loss Coverage:

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, machinery, any permanently attached equipment, as well as furnishings, fittings and your trailer if it is stolen or damaged.

Uninsured Watercraft Coverage:

Many boaters choose not to get insurance. Don’t take a chance with others. If you are hit by an uninsured or underinsured boater and you are injured when it’s his or her fault. This type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

The seas can be rough, besides a life jacket, make sure you have your Guardian.

We’ll show you what coverage and limits may be available, and how to get the maximum personalized watercraft protection you need. We will be happy to discuss any questions you may have about your policy and make sure you are adequately covered. Insure years of enjoyment by always having Guardian looking over your shoulders.