What’s Your Boater Personality?
Every boater has their own style. Some like to kick back and relax, others live for speed and adventure—and then there are those who somehow manage to do both.
In this article, we’re breaking down a few classic boater personalities. See which one sounds like you (or someone you know).
The Weekend Cruiser
You’re all about the good times — casual rides, relaxing afternoons, and sunset cruises with family or friends. Your boat is your floating lounge, and weekends on the water are your favorite kind of getaway.
Boating Vibe:
- Leisurely lake or bay trips
- Comfortable seating, snacks, and music
- Family and friends on board
- Often on a pontoon, deck boat, or small cruiser
Coverage That Fits:
- Liability (a must for anyone on the water)
- Medical Payments (for passenger injuries)
- Boating Accessories Coverage (coolers, portable speakers, etc.)
- Towing & Roadside Assistance (just in case)
Q&A:
- It’s Saturday morning. What’s the plan? Pack the cooler, grab some snacks, and cruise around with family or friends.
- Your must-have boating gear is: Bluetooth speakers and comfy seating.
- When it comes to boat talk, you’re most excited about: Upgrading your pontoon features or adding LED lights.
- Dream boat name: Seas the Day
- Boating frequency: Mostly weekends in the summer
Insurance for Pontoon Boats
The Hardcore Angler
You’re up before the sun, coffee in one hand and your tackle box in the other. Your idea of a great day involves glassy water, a quiet cove, and the perfect catch. You’ve got your favorite fishing spots marked on your GPS, and you probably know the tide schedule better than your own work calendar.
Boating Vibe:
- Fishing-focused trips
- Electronics like sonar/fish finders
- Rod holders, live wells, and specialty gear
- Long hours on freshwater or saltwater
Coverage That Fits:
- Boating Equipment Coverage (rods, fish finders, etc.)
- All Risks Coverage (for your investment)
- Mechanical Breakdown (for outboard repairs)
- Salvage Coverage (if something goes seriously wrong)
Q&A:
- It’s Saturday morning. What’s the plan? Hit the water early — the fish won’t catch themselves.
- Your must-have boating gear is: Tackle box, rod holders, fish finder
- When it comes to boat talk, you’re most excited about: Finding the best local fishing spots
- Dream boat name: Reel Therapy
- Boating frequency: Whenever the fish are biting
Insurance for Center Consoles & Bass Outboard Boats
The Jet Ski Junkie
Speed? Thrills? Wakes? You’re all in. You're the one zipping around the lake, catching air every chance you get. You love the freedom that comes with personal watercraft—it’s just you, the throttle, and a whole lot of adrenaline.
Boating Vibe:
- Personal watercraft (PWC) lifestyle
- Fast, fun, and maybe a little wild
- Often hitting the water in warm weather
Coverage That Fits:
- High Liability Limits (you’re fast — and things happen)
- Medical Payments (to cover injuries on or off the PWC)
- Accessory Coverage (GoPros, water sport gear, etc.)
- Towing Assistance (if your Jet Ski breaks down mid-run)
Q&A:
- It’s Saturday morning. What’s the plan? Rip around the lake with your crew.
- Your must-have boating gear is: Waterproof phone case and GoPro.
- When it comes to boat talk, you’re most excited about: Speed, tricks, and water sports.
- Dream PWC name: Wake Breaker
- Boating frequency: Every sunny day you can find
PWC/Jet Ski Insurance
The Offshore Adventurer
You don’t just go boating — you go places. You study the weather, the tides, and have backup plans for your backup plans. Your boat is rigged for endurance, safety, and maybe even a little luxury.
Boating Vibe:
- Long-distance trips or coastal cruising
- May travel to the Bahamas, Mexico, or beyond
- Advanced navigation systems and safety equipment
- Often on a sailboat or offshore-ready powerboat
Coverage That Fits:
- All Risks Coverage
- Cruising Endorsement (for international travel)
- Mechanical Breakdown (especially for long hauls)
- Salvage and Wreck Removal
Q&A:
- It’s Saturday morning. What’s the plan? Plot a GPS course, check the radar, and head offshore for the day.
- Your must-have boating gear is: Navigation system, VHF radio, life raft.
- When it comes to boat talk, you’re most excited about: Weather patterns, GPS tech, and range extenders.
- Dream boat name: Offshore Account
- Boating frequency: Serious trips, planned well in advance
