Owning a boat or personal watercraft is a dream for many, offering relaxation, recreation, and adventure. But just like any valuable investment, your watercraft needs protection—on the water, at the dock, in storage, or while being transported. That's where E360 Insurance comes in, offering tailored watercraft insurance solutions that go far beyond the basics.

Whether you own a fishing boat, sailboat, yacht, Jet Ski, or pontoon, E360 Insurance ensures you're financially protected from accidents, liability claims, weather damage, theft, and more. With competitive pricing, customizable coverage options, and expert support, we help boat owners navigate the risks—so they can enjoy smooth sailing.

Why Watercraft Insurance Is Essential

Many boat owners assume their homeowner's policy covers watercraft—but most provide only limited protection or none at all. Without a dedicated watercraft policy, you could be left paying out of pocket for costly damages or injuries.

Here's why watercraft insurance is a must:

  1. Protection from Accidents

    Collisions can happen whether you're on open water or at the dock. Insurance covers repairs or replacement for both your boat and any property you accidentally damage.

  2. Liability Coverage

    If you cause injury to someone else or damage another boat or dock, liability coverage protects you against legal and financial consequences.

  3. Theft and Vandalism

    Boats are valuable and vulnerable to theft, especially when stored off-season. Insurance helps you recover from losses caused by theft, vandalism, or burglary.

  4. Weather and Natural Disasters

    From heavy winds and hail to flooding or lightning, unpredictable weather can cause significant damage to boats. A good policy provides financial coverage for these risks.

  5. Marina and Lender Requirements

    Many marinas require proof of insurance before docking your boat, and lenders often mandate full coverage for financed vessels

Types of Watercraft Covered

E360 Insurance provides coverage for nearly all types of recreational and personal watercraft, including:

  • Sailboats

  • Pontoon boats

  • Motorboats and center consoles

  • Yachts and luxury vessels

  • Personal watercraft (Jet Skis, Sea-Doos, WaveRunners)

  • Bass boats and sport-fishing boats

  • Houseboats and cabin cruisers

  • Boat trailers and towing accessories

Whether you're boating on lakes, rivers, or coastal waters, we'll help ensure your vessel is properly protected.

Core Coverages Included in Watercraft Insurance

  1. Hull and Physical Damage Coverage

    This covers repairs or replacement if your watercraft is damaged in a collision, capsizes, or is vandalized. Coverage typically includes the hull, motor, sails, and permanently attached equipment.

  2. Liability Protection

    Covers injuries or property damage caused to others while operating your boat. This can include medical expenses, legal fees, and repair costs for other parties.

  3. Medical Payments

    If you or your passengers are injured during a boating accident, this coverage helps pay for medical treatment—regardless of who was at fault.

  4. Uninsured/Underinsured Boater Coverage

    Protects you in case you're hit by another boater who doesn't carry enough insurance. This coverage helps with your medical costs and damages.

  5. Towing and Emergency Assistance

    If your boat breaks down on the water, towing services, jump starts, or fuel delivery are covered under this optional add-on. Some plans may also include roadside assistance for trailers.

  6. Personal Property and Equipment Coverage

    This optional coverage protects gear like fishing equipment, safety gear, electronics, coolers, and personal belongings stored on the boat.

  7. Pollution and Fuel Spill Liability

    Accidents may result in fuel or oil spills. Insurance can help cover the cleanup costs and legal responsibilities in such events.

  8. Agreed Value or Replacement Cost Coverage

    Choose between an agreed value (where payout is based on the insured value without depreciation) or replacement cost coverage (which covers the cost of a new equivalent vessel, if eligible).

Optional Add-Ons for Enhanced Protection

  • Trailer Coverage – Covers your trailer against theft, damage, or accidents while towing.

  • Water-Sport Liability – Extra liability coverage if you tow water skiers, wakeboarders, or tubers.

  • Mechanical Breakdown – Protection for your boat's engine or propulsion system from mechanical failures.

  • Fishing Equipment Coverage – Additional protection for high-value fishing gear and sonar equipment.

  • Worldwide Navigation – For those who take their vessels abroad, this coverage expands your protection to international waters.

Factors That Influence Your Insurance Premium

Boat insurance premiums can vary based on:

  • Type, size, and age of the watercraft

  • Value of the vessel and equipment

  • Boating experience and driving record of the owner

  • Primary storage location (marina, garage, driveway)

  • Area and frequency of use (ocean, lake, river)

  • Safety equipment installed (fire extinguishers, GPS, radios)

  • Selected deductible and coverage limits

  • Number of past claims

Discounts may also be available for bundling with other policies (like auto or home), completing certified boating safety courses, or insuring multiple vessels.

Do You Need Watercraft Insurance in Arizona?

While boat insurance isn't legally required in Arizona, many financial institutions and marinas still require proof of coverage. Even if it's not mandatory, going uninsured leaves you exposed to thousands of dollars in potential risk. From minor dock accidents to major claims, a solid policy gives peace of mind while you enjoy Arizona's lakes and rivers.

Why Choose E360 Insurance?

E360 Insurance offers a seamless experience for boaters seeking reliable, affordable protection. Our team of experts helps you choose the right plan based on your vessel, lifestyle, and budget. Here's what makes us stand out:

  • Personalized policy recommendations

  • Wide range of coverage and add-on options

  • Competitive pricing and bundle discounts

  • Fast, efficient claims support

  • Licensed agents who understand your boating needs

  • Coverage options available across Arizona, California, Texas, Nevada, and more

Get a Quote Today

Don't let a mishap on the water turn your dream into a financial nightmare. With E360 Insurance, you can set sail knowing you're fully protected from bow to stern.

Request a free quote today and discover how easy it is to get dependable watercraft insurance designed for peace of mind and worry-free boating.