Coverage for Every Craft
Got a center console for fishing trips, a pontoon for laid-back lake days, or a PWC for some fun on waves? Maybe a sailboat or yacht for bigger adventures? If you nodded yes to any of these, we've got you covered.
At SkiSafe, we offer comprehensive coverage options that keep you, your passengers, and your watercraft protected. From accidental damage and liability to weather assistance and extras like gear protection, our policies are built around what you need. And if something goes wrong, we’re here to get you back on the water ASAP with a hassle-free claims process.
Understanding the Basics of Boat and PWC Insurance
Let’s start with the basics of any standard policy: physical damage and liability.
Physical Damage Coverage: This part of your policy protects against accidental loss or damage to the boat’s structure and its machinery. And it’s not just limited to the hull and engine(s). It also extends to other permanently attached equipment that’s required to operate the vessel.
Liability Coverage: This part of your policy protects you if you’re found at fault in an accident that causes bodily injury or property damage to others.
- Bodily Injury Liability: If you’re responsible for a boating accident that results in someone else getting hurt, this coverage can help cover for damages arising from their injuries.
- Property Damage Liability: Should you accidentally damage another person’s boat or property, this coverage may help pay for the repairs or replacement.
» MORE: FAQ For Liability-Only Boat Insurance Coverage
Selecting the Right Insurance for Your Boat or PWC
Alright, so we’ve covered the basics—now let’s get into other coverage options that might help you. Depending on your boat, where you live, and how you use it, you might want be particularly interested in hurricane haul-out coverage, theft and vandalism protection, personal property coverage, and salvage assistance.
For instance, if you’re cruising around in Florida, having hurricane haul-out coverage could be a lifesaver.
Also, keep in mind that if your boat or PWC is financed, your lender might require certain coverage. They want to make sure everyone’s covered in case something unexpected happens.
» MORE: The Importance of Reviewing Your Boat Insurance Policy
Coverage Highlights for Every Craft
At SkiSafe, we offer coverage options designed for all types of pleasure boats, as well as Personal Watercraft (PWCs) vessels like WaveRunners and Jet Skis.
Insurance for Bass Boats
Bass boats are built for speed, precision, and getting you to those prime fishing spots. With all the gear, equipment, and time you invest in your boat, it’s important to have the right coverage.
Our insurance for bass boats protects not just your boat, but also your fishing gear, electronics, and even your trailer. Plus, if you're a tournament angler, we offer specialized coverage to protect you during competitions.
Get a Bass Boat Insurance Quote.
Insurance for Center Console Boats
Center consoles are the ultimate all-rounders, perfect for everything from deep-sea fishing to cruising with family and friends. Our insurance for these versatile cruisers is designed to protect your boat, no matter how you use it.
We provide extra coverage for your rods, reels, electronics, and all your fishing gear, plus extended navigation options. That way, you're protected on all fronts.
Get a Center Console Boat Insurance Quote.
Insurance for Motor Yachts and Power Cruisers
Motor yachts and power cruisers are all about living the good life on the water. Most are built for high performance, powered by larger engines, and equipped with advanced tech. But with that luxury comes unique risks.
SkiSafe's Yacht Insurance provides certain advantages like comprehensive coverage, flexible options, and expert knowledge tailored to luxury watercraft.
Insurance for Pontoon Boats
Pontoon boats are synonymous with fun. They’re great for families, fishing enthusiasts, and anyone looking for a relaxing lake day. But all that versatility requires the right insurance.
We offer affordable coverage for traditional pontoons, tri-toons, and luxury models, and our policies are customizable to fit your needs. For leisure use, we can include medical payments, personal property coverage, towing reimbursement, and more. For fishing enthusiasts, we can add gear and equipment coverage.
Get a Pontoon Boat Insurance Quote.
Insurance for Jet Skis & WaveRunners
Personal Watercraft (PWC) like Jet Skis, Waverunners, and Sea-Doos are fast, flexible, and fun. But with great fun comes great responsibility.
Our Personal Watercraft Insurance covers you and your passengers in case of an accident, up to specified limits. You can also add medical payments coverage to help with any medical costs. We’ll work closely with you or your agent to create a coverage plan that meets your needs.
Get a Personal Watercraft Insurance Quote.
Insurance for Sailboats
Sailboats come with unique rigging and equipment that set them apart from power boats, and their insurance needs reflect that. Our Sailboat Insurance policies are designed to cover these features so your rigging, sails, and onboard equipment are fully protected.
Because sailboat insurance requirements can vary based on your vessel’s type and the areas where you sail, it’s important to work with an insurer who understands these nuances. At SkiSafe, we bring extensive knowledge to the table and can help you navigate these factors.
Get a Sailboat Insurance Quote.
Insurance for Tow Boats
Tow boats are made for all kinds of fun, from waterskiing and wakeboarding to wake surfing and cruising. No matter how you use it, having solid insurance is key.
We offer coverage that suits both tournament use and personal pleasure. For those in the competitive scene, we can tailor your policy with higher liability limits to ensure you’re fully protected.
