Watercraft Insurance

Stay focused on making memories on the water with friends and family by gaining another layer of security with watercraft insurance. Schedule a consultation to discover the advantages of insuring your boat, jet ski, or yacht with a team that knows maritime coverage.

Watercraft Insurance


Having a plan in place in case the unknown surfaces is essential, whether you’re a seasoned boater or a newcomer to the yachting world. With a comprehensive watercraft insurance policy curated by JD Fulwiler, you can enjoy the water knowing you’re prepared for the unpredictable by gaining the following benefits: 

  • Custom insurance solutions individualized to your boat, yacht, jet ski, or personal watercraft
  • Liability coverage for legal expenses and damages in case of property damage or bodily harm
  • Storm protection from hurricanes and other qualified events 
  • Uninsured or underinsured watercraft insurance 
  • Fuel spill liability protection
  • Collision insurance, towing, and waterside assistance

We know your watercraft is more than just a vessel—it’s a passion and a gateway to unforgettable adventures. That’s why we’ve made it our mission to provide exceptional insurance to keep your boat afloat by offering solutions that match your needs.

Schedule a complimentary consultation to discuss your needs.


We want to ensure you have the best insurance coverage, whether you need potential reimbursement after being towed from a lake or if someone gets hurt on the water. We offer custom policies tailored to specific boats, jet skis, or yachts individualized to you. 

  • Boat Insurance: Our boat insurance team is ready to keep you out of troubled waters by offering solutions for fishing boats, sailboats, private vessels, and many other maritime vehicles you use for personal enjoyment.  
  • Personal Watercraft and Jet Ski Insurance: We can help you create a personal watercraft insurance policy to cover your jet ski, wave runner, Sea-Doos, and any other water vehicle that seats one or two passengers and reaches speeds over 25 miles per hour. 
  • Yacht Insurance: We also offer insurance for high-value yachts. This includes hull insurance that may cover any damage the boat experiences up to an agreed value or protection and indemnity insurance for liability coverage for your crew, maritime workers, and legal judgments.


Banks and lenders often require an insurance policy before a boat purchase. Our experience includes working with various financial institutions and their clients to ensure the buyer’s solution aligns with a loan agreement. 


Many marinas and harbors require boat, jet ski, and yacht owners to carry a policy before docking or storing a boat on their premises. We can guide you through the particulars of getting the right solution, whether you need a wreckage removal endorsement, fuel spillage coverage, or additional needs. 


Our watercraft and boat insurance team understands how to curate a policy based on your vessel’s uniqueness and experience aboard it. We also know many boat owners prefer adding additional endorsements to their policies to elevate their financial protection plan. These include additions like: 

  • Salvage Coverage: This covers the costs of recovering or removing your watercraft if it sinks or runs aground.
  • Fishing Equipment Coverage: This covers expensive fishing gear, tackle, and equipment in case of loss or damage.
  • Trailer Coverage: This coverage protects the trailer against physical damage or theft when transporting your jet ski, boat, or personal watercraft.
  • Agreed Value (AV) or Actual Cash Value (ACV) Policies: Choose between an AV policy that may reimburse you for a predetermined payout or ACV insurance with a payout based on the boat’s market value.
  • Individualized Solutions: We also offer unique endorsements based on specific solutions, such as cruising extension, theft, and storm policies.  

We invite you to schedule a consultation with one of our insurance experts to discuss your options or call us directly at (800) 735-8325.

Let’s Get Started

We’re ready to start preparing
the insurance solutions you need!