Whatever name people use for it – “boaters insurance,” “sailboat insurance,” or “watercraft insurance” – PEMCO boat insurance earns top customer reviews for year-around protection whether you’re docked or out on the water. Coverage is good anywhere in the continental United States (excluding Alaska) and Canada on all inland lakes, rivers, and navigable waterways. You’re also covered 75 miles off the Pacific Coast of either the continental United States (excluding Alaska) or Canada (including the Queen Charlotte Islands, but not more than 12 miles off their western shore).
Damage to Your Boat Coverage
Pays for damage to your boat, personal watercraft, motor, or trailer caused by an accident.
Agreed Value Coverage
If your watercraft package is a total loss, we’ll pay the agreed amount listed on your policy. This coverage protects you from depreciation of value over time.
Emergency Service Coverage
Provides coverage for labor at the site of the breakdown, towing to the nearest repair facility, and delivery costs for fuel, oil, or a battery.
Replacement Coverage for Personal Belongings
Add this optional coverage up to $5,000 to protect all your fun-on-the-water gear (like clothing and sporting equipment).
Replacement Coverage for Fishing Equipment
Don't get left on the hook for accidentally damaged or stolen gear! Choose this optional coverage (available to $10,000) and relax knowing your equipment is protected whether it's on your boat, stored in your garage, or even set as a trap in the water.
Mechanical Breakdown Coverage
Choose this optional coverage that pays for certain parts in your outboard or inboard/outboard motor if the breakdown is caused by normal wear and tear.