Boat Insurance

Get protection against the risks of owning and operating your boat.

What boat insurance covers

Insure your boat against damages and losses caused by common risks like sinking, fire, storm, theft, and collision. The coverage typically includes the boat's hull, engines, described boat equipment, and the boat trailer if requested.

Types of hazards we insure against
  • Sinking
  • Fire
  • Theft
  • Storms
  • Collision
  • Capsizing
  • Explosion
  • Grounding
Property coverage
  • Boat, engine, trailer
  • Equipment permanently attached to the boat
  • Anchors
  • Outboard electric motors
  • Oars
  • Additional fuel tanks
  • Tools
  • Removable awnings
  • Seat cushions
  • Life jackets
  • Skis and their tow ropes
  • Boats

Types of insured boats

We offer boat insurance for various classes of watercraft.

We offer boat insurance for various
classes of watercraft.

  • Small motorboats and sports boats
  • Cruisers and yachts
  • Sailboats
  • Sportfishing boats/fishing boats
  • Jet skis
  • Houseboats
  • Kayaks and canoes

Liability coverage for boats

Boat liability insurance covers you if your boat causes injuries to third parties or damages to other boats, docks, or structures. Injuries or damages can result from direct contact with your boat or situations caused by your boat, such as large wakes. Boat liability coverage can provide protection against lawsuits, including the payment of settlements and legal fees.

Additional coverages

Additional coverages are automatically included in your base policy. If you have questions or other insurance needs, contact your agent to find out what options are available to you.

Emergency Service

Covers up to a certain amount for reasonable costs you incur due to specific emergency service for your boat, its engine, or its trailer. Please consult your policy for details.


Pays reasonable expenses you incur in any attempt or action to collect, remove, or destroy the remains of your boat when the damage is caused by a covered loss and the law requires the removal or destruction.

Newly Acquired Boat

Covers your newly acquired boat for damage caused by a covered loss, subject to policy conditions.

Temporary Repairs

If the damage is caused by a covered loss, we cover reasonable repairs incurred to protect the covered property against further damage.

Optional Coverages

Learn about new optional coverage supplements available in your area.

Why Choose Sill Insurance

  • Customized Solutions

  • You save money in many ways

  • 100% reliable coverage for you

Do you have any special needs?

Rental Boat Liability

Gives you peace of mind knowing you have the right liability coverage when you’re boating on a rented boat for a short period, such as a vacation.

Rental Reimbursement and Boat Liability

If your boat is being repaired as a result of a loss covered by your insurance policy, the rental reimbursement for boats will help you cover the cost of renting a boat. You’ll also have the right liability coverage while boating on the rental boat.

Incidental Commercial Fishing

Extend your property and liability insurance coverage if your boat is used for incidental commercial fishing. Commercial liability coverage is limited to boat liability coverage.

Boat Leased to Others

The supplement for boats leased to others can help pay claims for property damage, injuries, or liability claims made against you if your boat has an accident while leased to others.

Fishing Tournament Fee Reimbursement

If you’re unable to participate in a fishing tournament due to a covered loss on the boat, an auto accident involving the trailer while on the way to the tournament, or a family emergency, the fishing tournament fee reimbursement supplement will refund your non-refundable entry fees.”

Secure additional coverage for your insurance needs. Fill out the form to receive guidance tailored to your specific requirements

Secure additional coverage for your insurance needs. Fill out the form to receive guidance tailored to your specific requirements

Scroll to Top