Watercraft coverage

Our coverage provides protection for boats up to $500,000 in value and covers boats up to 43', sailboats up to 51' and personal watercrafts, like a jetski. Whether you're a "sun-day driver" or an avid sailor, think of these coverages like a life vest for your prized watercraft.


Uninsured/underinsured watercraft liability

This provides liability coverage for a loss that you or another rider on your boat experiences from a boater with no insurance or not enough insurance coverage.

Fishing equipment and personal effects

This provides $500 in coverage for losses to items like fishing rods, portable radios and chart plotters. Coverage can be increased to insure high-end fishing equipment and other personal items up to $10,000.

Hurricane haul out coverage

If a named storm is predicted to hit your area within a specific time period, we will reimburse you to have your boat hauled out of the water.

Towing and assistance

Our boat insurance includes towing and assistance coverage up to $500 per disablement. We also offer the option to increase that coverage, including an unlimited towing expense option with no deductible.

Pet injury protection

In the event of a boating accident where your pet is injured, this coverage can help. 

*Not available in all states

Pollution/fuel spill

In the event of an accidental spill or pollution, we will pay the fine up to your policy's limit. 

Recovery and salvage

If your boat sinks or is imperiled and needs to be removed from the water, you will be covered.

Plus, discounts are available when you have your home and auto coverage with The Hanover. You also receive a discount if you have completed one of the following boating safety/education certifications.

  • Captain’s license
  • State certified safety course
  • U.S. Power Squadron
  • U.S. Coast Guard Auxiliary

    Navigating boat insurance

    excited family on boat ride

    Boat insurance can help you fix potential leaks in your coverage. The Hanover and your independent agent can help you navigate all of the available options.

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