top of page

Boat, Yacht & Personal Watercraft Insurance 

Sitting in boat relaxing
Get Your Custom Boat Insurance Proposal
Mexico Yacht Insurance
Antique & Classic Boat Coverage
Because we know your time on the water won't always be relaxing and worry-free....

Boat Insurance can help make your time on the water as relaxing and worry-free as possible.  Here at Melissa Mitchell Insurance, we will work with you to find comprehensive protections that protects you, your friends and family, and your watercraft and boating equipment.  You will enjoy being on the water even more when you are not having to worry about your investment.

Texas Boaters-  Do you know what to look for in a watercraft insurance policy?

Minnesota Boaters-  Do you know what to look for in a boat insurance policy?

Wisconsin Boaters-  Do you know what you should be looking for in a yacht policy?

Nevada Boaters-  Do you know what you should look for in your personal watercraft policy?.

Here are some items you will need to consider when shopping for boat insurance

Navigational Area

  • Know where you are covered in the water.  Some companies,  offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inlands waters: and into the Pacific coastal waters of Mexico. 

Agreed Value Coverage

  • Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that's been stolen or destroyed.  This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.


  • Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water.  This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

Medical Payments:

  •  Medical payments coverage will pay for the cost of needed care that is the result of a boating accidents.  This coverage is usually available for coverage amounts of $500 to $10,000 and up depending on the insurance carrier.  It covers you, your passengers regardless of who is at-fault.


Physical Damage Coverage:  

  • Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment and your trailer, if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury:

  • Since boat coverage is not always mandatory, many boaters choose not to get insurance.  If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal: 

  • Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water.  As the boat's owner you are required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects: 

  • Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.  Limits vary by state. 


Unattached Equipment Coverage: 

  • This pays to repair or replace equipment that isn't permanently attached to your boat or personal watercraft, but is designed to use primarily on a boat.  This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.


Emergency Assistance: 

  • Emergency Assistance Packages can provide coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Everyone's needs are unique! 
Contact Melissa Mitchell Insurance today to find out how to get the best boat and watercraft insurance coverage for you.


bottom of page