Yacht & Watercraft Insurance
Whether You Cruise, Race, or Charter — You're Covered Bow to Stern
Why Boat & Yacht Insurance Matters
Why Boat & Yacht Insurance Matters
Whether you cruise the Long Island Sound on weekends, spend your summers in the Hamptons, or dock a 60-footer in Miami, your watercraft is more than a toy — it’s an asset. And one unexpected storm, collision, or injury can turn your dream lifestyle into a financial nightmare.
That’s where Yacht & Watercraft Coverage from United Coverage comes in. We help you insure your vessel, passengers, and liability — with policies tailored for the waters you navigate and the lifestyle you lead.
What We Cover
From bow to stern, your policy should cover more than just floating — it should protect your whole operation:
Hull & Machinery (Physical Damage)
Covers repairs or replacement if your boat is damaged by collision, sinking, grounding, fire, theft, or vandalism
Liability Coverage
Protects you if someone is injured or their property is damaged while aboard or due to your vessel.
Covers legal defense and settlements
Medical Payments
Helps pay medical bills for you or your guests, regardless of who’s at fault
Uninsured Boater Coverage
If you’re hit by someone without insurance, this helps cover your expenses
Personal Effects & Gear
Covers fishing equipment, electronics, tools, and personal items onboard
Towing & Emergency Assistance
On-the-water breakdown? We’ve got towing, fuel delivery, and recovery covered
What Types of Watercraft Do We Insure?
- Luxury yachts
- Center consoles & offshore sport boats
- Jet boats & PWCs (Jet Skis, Sea-Doos)
- Pontoon boats & ski boats
- High-performance speedboats
- Sailboats & catamarans
- Charter vessels & crewed yachts
Whether it’s for pleasure cruising, tournament fishing, or extended voyages, we’ll build a policy that fits.
Coverage Features for Yacht Owners
For clients with vessels over $500,000, we offer yacht-specific coverage that includes:
- Captain & Crew Liability
- Worldwide Navigation Limits
- Tender & Water Toy Coverage
- Fine Art & Collectibles Onboard
- Crew Medical & Workers’ Comp Compliance
- Hull Surveys & Condition Valuation Coordination
Docked in New York? We Know Your Waters.
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We insure boats docked in or visiting:
- Montauk
- Sag Harbor
- Port Washington
- Huntington Bay
- Manhattan’s North Cove
- Shelter Island
- East Hampton
- The Hamptons
- Hudson River marinas
- The Jersey Shore & surrounding coastal areas
How Much Does It Cost?
Premiums vary by vessel type, use, value, and navigation territory — but policies can start as low as $300/year for small boats and rise to five figures annually for luxury vessels.
We help you:
- Maximize protection without overpaying
- Navigate state requirements (like New York’s financial responsibility laws)
- Bundle boat insurance with home, auto, and umbrella for added savings
Why United Coverage?
âš“ Expertise in both private and commercial marine risks
🧠Coastal and inland waterway knowledge
🛥 Risk management for high-value yachts and watercraft portfolios
đź“‘ Fast issuance of certificates for marinas, banks, and charters
Ready to Get Back on the Water?
Let us help you find the right coverage before the next wave hits.
Whether it’s a weekend cruiser or a world-class yacht, we’ll keep you covered.
Let’s Talk Coverage That Works
