Insurance
Boat Insurance
Boat insurance may help protect a boat or personal watercraft, its equipment, and liability on the water. Coverage depends on the vessel, how it is used, and where it is operated or stored.
What to consider
- 01Ask how the vessel is valued, such as agreed value versus actual cash value settlement.
- 02Review coverage for equipment, trailers, and personal belongings aboard.
- 03Check navigational limits, lay-up periods, and requirements from a marina or lender.
Through a military lens
A PCS or deployment can change where a boat is kept and where it is used. Discuss the storage location, new navigational territory, and any lay-up period while you are away.
Questions, answered
Is the trailer covered too?
Trailers are not always included. Ask how the policy handles the trailer and any separate registration requirements.
Is my coverage active year-round?
Some policies include seasonal lay-up periods. Confirm when coverage applies and what happens if the boat is used outside those dates.
Draft educational guidance for owner and factual review before publication. Policy terms, exclusions, and state requirements vary. MilitaryInsure is not a carrier or licensed insurance agency and does not provide individual insurance advice.