Watercraft coverage that's actuallyclearfairyoursplainclear
Boats and jet skis carry liability a home policy will not touch. We read the navigation limits, shop carriers, and cover you on the water and on the trailer.
Watercraft coverage, line by line.
What a boat policy covers, and the fine print that decides where you are protected.
| Coverage | What it covers | Good to know |
|---|---|---|
| Liability | Injury or damage you cause to others on the water | Far higher exposure than most boaters expect |
| Hull and physical damage | Damage to your boat, motor, and trailer | Agreed value beats actual cash on older hulls |
| Uninsured boater | Your bills when another boater has no coverage | Common on the water, where insurance is not required |
| Wreck removal | The cost to remove a sunken or grounded boat | A legal obligation that surprises owners |
| On-trailer and in-storage | Loss while towing or in winter storage | Many losses happen off the water entirely |
| Navigation limits | The waters your policy actually covers | Read this before a longer trip |
Coverage and price hinge on the boat, the horsepower, and where you run it. We match the policy to your actual use.
New to the water this season? Let us cover the boat and the trailer, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Watercraft coverage, answered.
The questions boaters ask before they launch.
Only small, low-horsepower boats, and only a little. Anything with real power or value needs its own policy for both liability and physical damage. We tell you where the home policy stops.
Many policies offer a layup period that lowers cost while the boat is stored. We set it up so you are not paying full rate through a Midwest winter.
Agreed value pays a set amount on a total loss with no depreciation argument, which is worth it on older or restored boats. We compare both for your hull.
On a watercraft policy, usually yes, including while towing. On an auto policy, generally not. We make sure the trailer is not the gap.
Yes. We cover boaters on both sides of the state line and explain the navigation limits for the waters you run.
Ready when you are
Tell us about your boat. We will cover the water and the trailer, free.
Boaters usually also carry
Umbrella coverage
Boating liability is large. An umbrella sits over it for not much a month.
Explore umbrellaYacht and larger vessels
Bigger boat? High-value handles hull, liability, and crew.
Explore high-value