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Watercraft & Boat Insurance

Watercraft & Boat Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Watercraft & Boat Insurance Information

We offer excellent rates and a broad array of products for personal watercraft, boats and yachts. Some of the eligibility and coverage highlights include:

Boats & Small Yachts
  • Towing amounts included at no charge
    - $400 for boats less than 26‘ & $600 for vessels 26’ – 30’
  • Mechanical breakdown automatically included
  • Agreed Amount or Actual Cash Value Options
  • 12-month coverage with no mandatory lay-up period (Boat only)
  • Vessels with speeds up to 50 mph
  • Personal property covered on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items

Yachts 26 Feet and Longer

  • $1000 automatic towing amount included
  • Mechanical breakdown automatically included
  • Agreed Amount Value
  • All risk electronics coverage available
  • Automatic coverage for dinghies under16 ft with less than 25hp motor
  • Customized navigation territories with flexible lay–up discounts
  • Liability limits up to $10,000,000.

We offer excellent rates and 24-hour access to claim service representatives. For a fast quote, please complete the simplified application on our Service Center page.

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.


Contact Us
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Security First Insurance Agency
3526 Miller Road
Flint, MI 48507
P: 810-732-5800
F: 810-732-4154

The mission of Security First Insurance is to deliver professionally crafted and competitively priced insurance and risk transfer programs that safeguard our valued client’s financial futures.

Mon-Thurs: 8-5, Fri 8-4:30

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