If you have this coverage and 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.

​​​Pays when you or a family member are legally liable for either bodily injury or property damage while using your boat. Takes care of defense costs if you must go to court.

​​Pays medical costs if you and your family are hurt in an accident with another boater without insurance —​ or with too little insurance. Not everyone is as responsible as you are.

​Pays up to $500 for replacing personal non-boating items (such as clothing, sporting equipment) whille on board.

​Pays medical and funeral expenses for everyone on a covered boat if an accident causes bodily injury or death. If you have more than one boat, then all must have the same limit of coverage.

​Included with Medical payments coverage, Loss of income coverage pays up to $200 per week when a covered person is disabled because of a boat accident.

​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. Current regulations only allow the Coast Guard to help you if your boat is in "imminent peril" of sinking.

​With our 12-month policy, you'll avoid a potentially costly loss — such as winter storm damage, theft, fire, or another hazard —​ that happens during a lapse in coverage.

​​Select a single deductible on your hull and motor(s). A standard $50 deductible applies to your trailer. You don't pay several deductibles if more than one item is damaged in a single loss. Only one deductible applies in that case.

​ The navigational limits for PEMCO's Mariner Policy are within:

1. The continental United States (excluding Alaska) and Canada and all inland lakes, rivers, and navigable waterways therein.
2. 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).

Haven't had a claim in three years? Discount!

Insure your home or auto with us, too, and save. You'll want to move all your business to PEMCO!

Keep your boating skills sharp! You'll save.

Another safety feature that will save you money.

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