Boat insurance coverage for watercraft and jet skis
Boating is all about fun. But the unexpected can happen. If it does, we can help you make sure you’ve got the boat coverage to help repair or replace your vessel and the covered property within.
Or have an agent contact me.
Boat and jet ski liability insurance coverage
If your boat causes injury to others or damage to other boats, docks, or structures, boat liability insurance can help you.1 Injury or damage can be due to direct contact with your vessel or situations caused by your vessel, like large wakes. Boat liability coverage may provide protection against lawsuits, including the payment of settlements and legal fees. Contact an agent to find out more.
Additional coverages
Additional coverages may be automatically included in your base policy. If you have questions or other insurance needs, contact your agent to find out what options are available to you.
Newly acquired boat
Helps cover your newly acquired watercraft for damage caused by an insured loss, subject to policy conditions.
Temporary repairs
If damage is caused by an insured loss, we help cover necessary and reasonable repairs incurred to protect covered property from further damage.
Emergency service
Helps pay up to a certain amount for reasonable costs that you incur resulting from specified emergency service to your boat, motor, or boat trailer. Please reference your policy for details.
Wreck removal
Helps pay the reasonable expense you incur for any attempted or actual raising, removal, or destruction of the wreck of your boat when damage is caused by an insured loss and removal or destruction is required by law.
Coverage in action
Let’s say you accidentally bump into a submerged stump and damage your hull or your engine breaks down on the lake and you need a tow. Boat insurance could help cover both scenarios.
Optional boat insurance coverages
Learn what new optional coverage endorsements are available in your area. Contact your agent to find out.
Boat rental liability
Helps provide you with the proper liability insurance when driving a rental boat on a short-term basis, such as a vacation.
Boat rented to others
The Boat Rented to Others endorsement can help pay for property damage, injury and liability claims made against you if your boat is in an accident when rented to others.
Boat rental reimbursement and liability
If your boat is being repaired because of damage that’s covered by your insurance policy, boat rental reimbursement will help pay the cost to rent a boat. You’ll also have the proper liability insurance while driving the rental.
Fishing tournament fee reimbursement
If you’re unable to participate in a fishing tournament due to a covered loss to the boat, an auto accident involving the towing vehicle en route, or a family emergency, the Fishing Tournament Fee Reimbursement endorsement will help reimburse you for non-refundable entry fees.
Incidental commercial fishing
Helps extend your property and liability insurance if your boat is used for incidental commercial fishing. Business liability is limited to watercraft liability.
Uninsured/
underinsured watercraft coverage
Uninsured watercraft insurance helps pay your medical expenses if you're in an accident caused by an owner or operator who doesn't have boat liability insurance or has inadequate liability coverage limits.
Frequently asked questions about boat insurance coverage
Depending on the type and use of your vessel, it could vary greatly. For example, a powerboat might need at least $1 million in liability insurance while a smaller vessel might need something more in the $100,000 range. Talk to your State Farm agent about your specific needs.
Most boat insurance policies help cover the sinking of your watercraft against losses caused by common risks.
Whether boat insurance is required or not varies by state. Contact your State Farm agent to discuss your specific needs.
Jet ski insurance helps pay for such issues as accidental damage or fuel spill protection. Depending on your optional coverages, you may get help with rental reimbursement and towing. Contact your State Farm agent to discuss your specific needs.
Coverage options, deductibles, and discounts may affect your policy cost. Check with your State Farm agent to find out what best fits your needs and budget.
Your car insurance policy will likely provide liability coverage while towing, but will not provide coverage for damages to the boat itself. You may need travel trailer insurance or a boat insurance policy that offers comprehensive coverage. Check with your State Farm agent to find out what best fits your needs and budget.
Get a local agent who gets you
There’s a State Farm® agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for help protecting your boat? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Boat insurance basics: What’s covered
Reporting a boating accident
Boat safety tips1 Subject to policy provisions and exclusions.
This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information, see your State Farm agent.
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Tallahassee, FL