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Boat Insurance

Customized Boat Insurance Quotes

The AARP® Auto and Homeowners Insurance Program from The Hartford offers boat insurance for a broad range of boats up to 50 feet and up to $250,000 in value.

Whether your boat takes you on the high seas or the local lake, you need personal watercraft insurance you can count on. The Hartford offers boat insurance quotes and benefits that are tailored to the needs of you and your particular watercraft.

Lifetime Renewability

No need to worry about losing your boat insurance. Once you become a policyholder, you are assured continued watercraft insurance coverage as long as you’re able to operate your boat and meet a few simple requirements.

Seasonal Use Protection

Do you store your boat or personal watercraft for several months out of the year? You can still get year-round protection, at boat insurance rates that take into account extended times when your watercraft is not being used.

Agreed Value Coverage

When you purchase this optional watercraft insurance coverage, The Hartford will repair or replace your damaged boat or watercraft or pay an agreed amount if there is a total loss.

Water Sports Liability Coverage

This optional protection provides liability coverage for water skiing or other “towing-related” water sports.

The Hartford offers a variety of credits and discounts designed to make boat insurance quotes even more affordable. Here are some of the ways you could save.

Multi-Vehicle Discount

A discount for having two or more recreation vehicles and/or watercraft insured through the AARP Auto and Homeowners Insurance Program from The Hartford.

Renewal Credit

A credit for renewing your watercraft coverage with the AARP Auto and Homeowners Insurance Program from The Hartford.

Bundle & Save

A discount if you insure your auto and home with the AARP Auto and Homeowners Insurance Program from The Hartford, together with your watercraft.

Homeownership Credit

A credit if you own and occupy your own home or condo.

Additional Discounts for Boat Insurance Quotes

A discount if you belong to a watercraft club.

Lay Up
A credit if your watercraft is laid up for two months or more.

Safety Equipment
A credit if your boat is equipped with a VHF radio, RDF or Loran, and/or Radar.

Safety Training
A discount if you have completed a Power Squadron or Coast Guard boating course in the past 36 months.

Personal Watercraft & Boat Insurance Coverage

Your boat insurance quotes and coverage can vary depending on the type of watercraft you own, as well as your state of residence. That’s why The Hartford’s insurance specialists are highly trained in guiding people toward all their available coverage options.

Hull Coverage

Provides physical damage and theft coverage for your watercraft, as well as coverage for personal effects on the covered watercraft at the time of the loss. This coverage is subject to a deductible.

Towing and Labor

Pays up to the selected limit for towing of your watercraft when it is inoperable, whether or not there is an accident involved.

Additional Boat Insurance Coverage Options

  • Trailers
  • Coastal Navigation
  • Personal Effects
  • Customized Equipment
  • Extensions of important coverage, which includes: replacement cost on boats if a total loss occurs within the first 15 months of purchasing the boat and increased personal effects coverage.

Availability of credits or discounts may vary by state. Not all coverages, features and benefits are available in all states.

If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary operators of your vehicles must retain valid licenses, remain physically and mentally capable of operating a recreation vehicle, have no convictions for operating any vehicle, watercraft, machinery or aircraft under the influence of drugs or alcohol and must not have obtained your policy through material misrepresentation.

Call for a Quote

For more information or to request a quote, call The Hartford at

M-F 8 am to 6:30 pm ET

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