Boat & PWC Insurance

Protection On and Off The Water

Call 1-800-350-1198 to speak with a licensed advisor today!

What is Boat or PWC Insurance?

A boat insurance policy insurance policy protects you and your boat against liability and damage in the event of an accident. It covers most watercraft with a motor including pontoon boats, fishing boats, leisure crafts and yachts. A personal watercraft (PWC) insurance policy provides similar protections but applies to your Seadoo or Jet Ski.

Both boat insurance and PWC insurance are not required in most states but are highly recommended to protect from the risks associated with boating activities.


Am I Already Covered Under My Home or Auto Insurance?

Typically, home insurance or auto insurance does not provide you with the right coverage on your boat or personal watercraft. Most homeowners’s policies have restrictions based on size, horsepower, and damage coverage. Basically if you do not have a separate boat insurance policy or personal watercraft insurance policy, you are likely underinsured.

What is Covered By A Boat or PWC Insurance Policy?

  • Bodily Injury

  • Property Damage Liability

  • Comprehensive

  • Collision

  • Uninsured/underinsured Boater

  • Medical Payments

PWCs are involved in
% of all reported boating accidents

Types of Boat or PWC Insurance Coverages

Liability coverage helps cover costs associated with bodily injury and property damages suffered by others.

Collision coverage helps repair or provide a replacement if your boat or PWC is damaged in a collision.

Comprehensive coverage helps with the cost if your boat or PWC is damaged in most non-collision related incidents.

If you break down while on the water, this coverage will help pay for costs to tow it out of the water or get it in running condition on the water.

DFI Insurance Can Help!

let our licensed experts help with your insurance needs!

Let our licensed experts aggressively compare and shop between our numerous top carriers to ensure we get exactly the coverage you need at the most affordable rates possible. We make the process simple, fast, and reliable.


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Why DFI Insurance

35 Years of Excellent Service
At DFI Insurance, our mission begins with a belief that our existence is to serve and respect our customers. Their satisfaction is the best measure of our success. Our execution is only possible by aligning with the highest quality insurance providers available then working hard to match our customers needs directly with these providers.
Wide Selection of Carriers and Coverages
DFI Insurance has special access to top carriers that provide excellent support and low rates ensuring you are protected. DFI Insurance has coverages ranging from auto, homeowners, life insurance, commercial business insurance and more!
Personalized Service
At DFI Insurance our licensed agents get to know you and your insurance needs and we offer unbiased information since we work for you. Let our knowledgeable, experienced professionals customize an insurance solution and make sure you get the best coverage at the best rates possible!

Some Additional Personal Insurance Offerings


Home & Property

Coverage for homes, rentals, and other personal property


Other Personal Insurance

We have many additional types of insurance coverage to protect you and your family

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The content of this site is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions or applicable in all situations.