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, motor, or trailer caused by an accident.
Replacement Coverage for Personal Belongings
Pays up to $500 for replacing personal non-boating items (such as clothing and sporting equipment) while on board.
Agreed Value Coverage
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.
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.