Marine Insurance Coverages

See what’s covered under a boat or PWC policy from Foremost.

Watercraft Physical Damage

This is coverage for direct, sudden, and accidental damage to your watercraft.

Trailer Coverage

This provides coverage for trailers designed to transport your watercraft.

Personal Liability

This provides coverage for bodily injury and property damage sustained by others for which you are legally responsible. We also have coverage options for uninsured watercraft and medical payments.

Personal Property

Personal property includes apparel, sports equipment, fishing equipment and other personal property owned by the insured or their guests while on board or being carried on or off the watercraft.

Towing and Roadside Assistance

If the watercraft is disabled while afloat or away from safe harbor, or if the trailer is disabled, we will pay for the cost of emergency labor performed at the site of disablement, towing to the nearest place where needed repairs can be made, or delivery of gas, oil or battery. We will pay up to $250 for the cost of gas and oil if the Elite package is purchased. Subject to policy limits.

Boat and Watercraft Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:


You’ll receive a discount on your first policy term when you pay the full policy amount up front.


Get a discount when you store your watercraft or PWC out of water for at least three months per year.

Safety Course

Get a discount if you have completed a boater’s safety course or have a marine license.

FAQ Boat and Watercraft Insurance

Here are just a few of the ways you can save money by choosing Foremost:

Boat insurance is only mandated in a few states, but lenders and marinas typically require full coverage for liability and physical damage.
Yes, in the event of a covered loss, your watercraft is covered for physical damage when it is being towed or transported.
Yes, the policy term is annual, and coverage is not removed during the off-season.
Yes, your trolling motor can be covered either through the watercraft hull coverage if it is permanently attached, or through personal property if it is taken on or off your watercraft.

Hop on board with A Better Insurance Experience®