For your pontoons, waterskis, boats, or even yachts.

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Cruise the open waters.

Allegiance can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Explore more about Boat & Watercraft Insurance by reading about the various kinds of coverage below.

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Watercraft Insurance

What is watercraft insurance?

Effectively, watercraft insurance is like car insurance. Like car insurance, something like personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

Do you have to have it?

Some places require it, but not usually. Since boat coverage is not always mandatory, many boaters choose not to get insurance. If it isn't required, why get it? If you are hit by an uninsured or underinsured boater, and you are injured, your watercraft insurance can, with the right coverage, pay for medical treatment, lost wages, and other costs associated with the accident.

So it protects my boat, what else?

Aside from some medical costs, it can also protect items that are in the boat. Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with Allegiance for information. Personal effects coverage does not include jewelry, watches or furs. If you have some of those which you would like to be protected, explore Valuable Item insurance.

What about emergencies?

Yes, watercraft insurance can help emergency services. The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

What else can watercraft insurance cover?



This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.


Agreed Value

Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.


Medical Costs

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.


Navigational Area

Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.


Fuel Spills & Wreckage

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.


Physical Damage

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

What if I keep my boat in a different state?

If the state you keep your boat in and the state you have permanent residence in are different, just let us know. What you pay and certain aspects of coverage are dependent on state laws.

Don't stop your
fishin' trip.

Don't let a mishap get in the way of a good fishing trip, or a family day out on the lake. Having the right watercraft insurance can make sure that whatever happens, you're ready to keep moving while leaving worry in your wake.

Let summer keep being the perfect time to be out on the water.

Allegiance Insurance Services, your one-stop insurance shop that can service you anywhere