Coverage Designed for Life on the Water

Boats and personal watercraft are major investments—and if you love being on the water, you already know they’re worth protecting.

 

Rather than relying on limited add-ons or standard homeowners insurance, boat owners need specialized coverage built specifically for life on the water.

 

At Infinity Insurance USA, we help make your time on the water relaxed and worry-free. Our team will find comprehensive boat insurance that protects you, your passengers, your watercraft, and your boating equipment—so you can focus on enjoying every moment.

 

Affordable Protection for Your Boat

The average boat insurance policy costs less than a dollar a day.

 

That small investment provides peace of mind knowing you’re protected against accidents, injuries, theft, and damage—allowing you to fully enjoy your time on the water without unnecessary worry.

 

Not Sure What Coverage You Need?

Boat insurance isn’t one-size-fits-all. Coverage needs vary depending on the type of boat, how it’s used, and where you operate it.

 

Infinity Insurance USA will help you determine the right amount and type of coverage for your specific situation. Just contact us today to get started.

 

Boat Insurance Coverages

Navigational Area
Know exactly where your coverage applies. Some policies provide protection up to 75 miles from the U.S. coastline, including Canadian coastal and inland waters and Pacific coastal waters of Mexico. Additional navigational areas may be available in states such as Texas, Florida, and Oregon.

 

Agreed Value Coverage
Boats depreciate over time, much like vehicles. With agreed value coverage, if your boat is stolen or declared a total loss, you’ll receive the value you insured it for—minus your deductible—rather than a depreciated cash value.

 

Liability Coverage
Similar to auto insurance, liability coverage protects you if you’re found at fault in a boating accident. It can pay for property damage, medical expenses, lost wages, and other costs incurred by others.

 

Medical Payments
Medical payments coverage helps pay for medical care resulting from a boating accident. Coverage typically ranges from $500 to $10,000 and applies to you, your passengers, and even water skiers or tubers—regardless of fault.

 

Physical Damage Coverage
Covers the cost to repair or replace your boat, motor, permanently attached equipment, and trailer if they’re damaged or stolen.

 

Uninsured / Underinsured Watercraft Bodily Injury
Because boat insurance isn’t always required, some boaters may be uninsured. If you’re injured by an uninsured or underinsured boater, this coverage helps pay for medical treatment, lost wages, and related expenses.

 

Fuel Spill Liability & Wreckage Removal
If your boat sinks or is severely damaged, fuel or oil leaks may occur. By law, the owner is responsible for cleanup—often at a significant cost. This coverage helps pay for fuel spill cleanup and wreckage removal.

 

Personal Effects Coverage
Covers many personal belongings such as clothing, cell phones, fishing equipment, and scuba or snorkeling gear. Coverage limits vary by state. (Jewelry, watches, and furs are typically excluded.)

 

Unattached Equipment Coverage
Pays to repair or replace boating equipment that isn’t permanently attached, including life-saving equipment, water skis, anchors, oars, fire extinguishers, tarps, and similar items.

 

Emergency Assistance
Provides coverage for towing, labor, fuel delivery, oil delivery, or a loaned battery if your boat becomes disabled while on the water.

 

Get Started Today

To protect your boat and enjoy the water with confidence:

• Enter your details below, or
• Call our office and speak with our team

 

We’ll walk you through the process and make sure you and your boat are properly covered.