Boat & Watercraft Insurance

Tailor your watercraft coverage with our flexible options.

Do you use your boat on the weekends or every day? When it comes to boat and personal watercraft insurance, you need customized protection. With watercraft coverage underwritten by American Modern Insurance Group through Nutmeg Insurance Agency2 our specialists help make it easy to get the customized coverage you need at a rate you can afford to protect your boat or watercraft. Get a boat insurance quote from the AARP® Auto and Homeowners Insurance Program from The Hartford1 today to learn more.

Important Boat Coverage

A good boat policy provides much broader protection than a simple endorsement to your homeowners policy. An endorsement alone  is probably not enough coverage for your boat. Get coverage that is based on the full value of your watercraft, with appropriate liability limits, and an assortment of coverage options that are right for  you. Enjoy your time on the water even more knowing you’re protected with these important coverage options:
  •  Physical damage
  •  Increased limits on liability
  • Medical payments
  • Uninsured watercraft
  • Total loss replacement option
  • Personal effects coverage
  • Emergency Assistance and Towing

Additional Coverage for Your Boat

Need additional boat or watercraft coverage? We also offer:
  • Accessory coverage
  • Trailer coverage
  • Agreed value or market value hull coverage
2 Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. This Program is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Southern Home Insurance Company in FL and LA, American Modern Home Insurance Company d/b/a American Modern Insurance Company (Lic. No 2222-8) in CA, American Family Home Insurance Company in AR and GA (Personal Watercraft only) and American Modern Home Insurance Company in all other states, through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by the insurance companies of American Modern Insurance Group, Inc.
Additional disclosures below.