Boat INSURANCE
ENJOY THE WATER
ENJOY THE WATER
WITH CONFIDENCE
WITH CONFIDENCE
Boat insurance can help protect you, your passengers, and your investment so you can spend more time enjoying life on the water.
PROTECT WHAT MATTERS MOST
Accidents, weather, theft, and other unexpected events can happen on the water. Boat insurance can help protect your boat, your finances, and the people enjoying it with you.
Depending on your policy, coverage may help with:
May help cover medical expenses for you or your passengers after a covered accident.
May help protect boat and certain equipment if they are stolen or damaged.
Helps repair or replace your boat after certain covered losses.
Helps protect you if you are responsible for certain injuries or property damage.
May include towing or emergency assistance when problems happen.
COVERAGE OPTIONS FOR LIFE ON THE WATER
Every boater uses the water differently. Benchmark Insurance can help you explore coverage options that fit your boat, how you use it, and the level of protection you want.
Collision Coverage
Helps pay for repairs or replacement if your boat is damaged in a covered collision.
Comprehensive Coverage
Helps protect against certain non-collision losses such as theft, vandalism, fire, storms, or other covered events.
Liability Coverage
Helps protect you financially if you are responsible for certain injuries or property damage.
Uninsured Motorist Coverage
Available coverage may help protect you if you are involved in an accident with a boater who has little or no insurance.
Medical Payments Coverage
May help cover certain medical expenses for you or your passengers after a covered boating accident.
Additional Coverage Options
Ask about coverage for trailers, fishing equipment, personal belongings, accessories, towing, and other available options.
CONFIDENCE ON
AND OFF THE WATER
Boat insurance does not have to be complicated. Benchmark Insurance helps you understand your options so you can choose coverage that fits the way you boat.
Here’s what you can expect when you choose us:
Coverage options explained in plain language
Guidance based on your boat and how you use it
Help reviewing limits, deductibles, and available options
Personal service without unnecessary pressure
Support when your coverage needs change
Frequently Asked Questions
Is boat insurance required?
Boat insurance requirements vary depending on where you live, where you use your boat, and whether it is financed. Some lenders, marinas, or storage facilities may also require coverage.
What does boat insurance typically cover?
Coverage may include protection for physical damage, liability, medical payments, theft, towing, and other optional protections. Exact coverage depends on the policy you choose.
Does boat insurance cover all types of water activities?
Coverage varies by policy and activity. Certain uses, operators, locations, or activities may have limits or exclusions, so it is important to review your policy before heading out.
How much does boat insurance cost?
Rates may depend on factors such as the type and value of the boat, engine size, location, boating experience, selected coverage, deductible, and other underwriting factors.
Do I need insurance for a fishing boat or pontoon?
Insurance may be available for many different types of boats, including fishing boats and pontoons. The right coverage depends on the vessel and how you use it.
Can I bundle boat insurance with my other policies?
Often, yes. Depending on the carrier, boat coverage may be combined with auto, homeowners, or other policies, which may make your insurance easier to manage and may provide savings.
Contact Benchmark
Let’s Protect What Matters Most to You
Tell us about your boat, ask a question about your current coverage, or request a personalized quote.
