Protect Your Vessel. Enjoy the Water with Confidence.
Some watercraft may be partially covered under your homeowners policy, but many boats, jet skis, and other watercraft need specialized protection. Strata Insurance Group offers tailored coverage based on your vessel’s size, type, and value.
Why Boat & Watercraft Insurance Matters?
Boating comes with unique risks, including accidents, theft, weather damage, and liability claims. Standard homeowners or auto insurance often excludes watercraft or offers very limited coverage.
Our agents help you select the right policy to protect your vessel, passengers, and financial investment—so you can enjoy the water without worry.
What Boat & Watercraft Insurance Covers?
Coverage Designed for Life on the Water
Boat & watercraft insurance policies may include:
- Physical Damage Coverage – Protection for your boat, motor, and trailer from collisions, weather, or vandalism
- Liability Coverage – Coverage if your boat causes injury or property damage to others
- Medical Payments Coverage – Pays for injuries to passengers on your watercraft
- Uninsured / Underinsured Boater Coverage – Protection if another boater causes an accident
- Accessory & Equipment Coverage – Protection for sails, electronics, safety gear, and custom equipment
Coverage options vary based on vessel type, usage, and policy selection.
