Boat & Watercraft Insurance

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


Monday-Friday, 8 a.m. to 6:30 p.m. ET

Flexible Options for Boat Coverage and Watercraft Protection

Do you use your boat on the weekends or every day? Regardless of how often you use your boat, you probably really enjoy being out on the water. While riding the waves, enjoy the peace of mind you get from knowing you have a reliable watercraft insurance plan in place.
When it comes to watercraft & boat insurance, you probably need a plan that offers customized watercraft protection. With boat & watercraft insurance coverage underwritten by American Modern Insurance Group through the Nutmeg Insurance Agency,* our specialists help make it easy for you to customize watercraft coverage to meet your needs. They’ll help you to protect your boat or watercraft at a rate you can afford. Get a boat insurance quote from the AARP® Auto and Homeowners Insurance Program from The Hartford1 today and learn more about insuring your boat or other watercraft by calling 1-800-555-2510.

Important Boat Insurance Coverage

A good boat insurance policy provides much broader protection than a simple endorsement to your homeowner’s policy. That’s because an endorsement alone is probably not enough coverage for your boat.
So how do you know how much coverage you may need for your boat or watercraft? Consider a level of coverage that is based on the full value of your watercraft, with appropriate liability limits, and the coverage options that are appropriate for your circumstances. That way, you can enjoy your time on the water even more, knowing you’re protected with the essential coverages that are right for you. Consider adding these coverage options:
  • Physical damage
  • Increased limits on liability
  • Medical payments
  • Uninsured watercraft
  • Total loss replacement option
  • Personal effects coverage
  • Emergency Assistance and Towing

Boat and Watercraft Insurance Discounts

Are you an experienced boater, or do you currently have other insurance policies with The Hartford? You may qualify for discounts on your boat and watercraft insurance with The Hartford. Here are some examples of discounts that may be available to you:
  • Prior Insurance – You might save 15 percent if there was no lapse in your coverage, or 10 percent with a lapse less 30-days.
  • Loss-free Renewal – You may be eligible to earn a 5 percent discount on your first renewal and 10 percent in successive years.
  • Experience – Your rate could be adjusted lower to reflect your boating experience and boat safety certifications.
  • Diesel Fuel Engine – You could save 5 percent.
  • Multi-policy – If you have multiple policies with The Hartford, you may be eligible for exclusive discounts.

Additional Coverage for Your Boat

Already have the essentials covered, but think you may need additional boat or watercraft insurance coverage? Here are other coverages we offer:
  • Accessory coverage
  • Trailer or boat lift coverage
  • Agreed value or market value hull coverage

What People Are Saying About The Hartford Boat Insurance

We’re here to help you get customized watercraft coverage that’s right for you. Don’t just take our word for it; here are what other people are saying about their experiences with The Hartford:
“We are very pleased with our insurance at The Hartford. Always very friendly and very good service. The best decision we ever made was getting The Hartford for our home, cars and boat. I would recommend The Hartford to everyone. Thank you for taking such good care of us.”
“This claim experience was amazing and quick. I am so happy to have all of my insurance coverage with The Hartford. We have our auto, home, RV and boat coverage with The Hartford.”
“We have been with The Hartford for many years now and have found them to be a great insurance company. They are easy to get a hold of and follow up is very good. Premiums are good and we now have our household content, car, boat and motorhome insured through The Hartford. We have recommended them to several people.”
* 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 222-8) 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.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.