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Watercraft Insurance

Personal Watercraft

When you take to the water, protect yourself, your family, and your investment with Brown & Brown's top-tier Personal Marine Insurance.

Coverage for All Watercraft

We provide safe harbor for boats large and small. Whether you own a runabout, sailboat, yacht, or mega-yacht with a full-time captain and crew, we offer some of the most seaworthy coverages and services available:

  • Broad navigational limits
  • Liability coverage for all full-time paid crew members
  • Personal effects and fishing tackle coverage for crew and guests, up to $25,000
  • World renowned claim service Bottom inspection
  • Precautionary measures
  • Emergency towing and service
  • Marine environmental damage

Policy Discounts

Listed below are credits that, depending on your state, may be offered with watercraft coverages.

  • Deductible credits
  • Diesel power credit
  • Port risk credit

For more information, or assistance with determining which discounts you may be eligible for, please contact a Brown & Brown agent.


We have several insurers that do not exclude losses due to mysterious disappearance, manufacturer's defects, mechanical breakdown, or faulty repair.