Boat & Watercraft Insurance
Coverage for your boat, jet ski, or other watercraft — on the water and on the trailer.
Boat and watercraft insurance protects your investment on the water and during transport. Whether you own a fishing boat, pontoon, jet ski, or sailboat, a dedicated watercraft policy provides broader coverage than what your homeowners policy offers.
Your homeowners policy may include limited coverage for small watercraft, but it typically caps at a low dollar amount and doesn't cover liability on the water. A standalone boat policy covers the hull, motor, trailer, equipment, and personal property on board, plus liability if you cause damage or injury on the water.
Colorado's reservoirs and lakes — from Chatfield to Blue Mesa to Lake Granby — see heavy recreational use. We help you find coverage that matches how you actually use your watercraft, whether it's weekend fishing trips or extended summer use.
Key Features
- Hull and motor coverage for physical damage
- Trailer coverage — on the road and in storage
- On-water liability protection
- Personal property coverage for gear, electronics, and equipment on board
- Towing and emergency assistance on the water
Who Needs This?
- Boat owners — from fishing boats to pontoons to sailboats
- Jet ski and personal watercraft owners
- Anyone who tows a watercraft and needs trailer coverage
- Boaters who use Colorado reservoirs, lakes, or travel out of state
Ready to Get Boat & Watercraft Insurance Coverage?
Call 303-994-7814 or start your quote online.
Get Personal InsuranceBoat & Watercraft Insurance FAQ
Ready to Find the Right Coverage?
It takes less than 5 minutes to get started.