Boat Coverage
Your Alliance Group agent can help you keep your boat in seaworthy condition by providing you with the best coverage to protect your investment. Your protection package can include:
- Liability coverage that pays for bodily injury or property damage if you are liable.
- Physical damage coverage that pays for damage to your boat, motor and trailer.
- Equipment and accessories coverage that pays for losses to equipment used with your boat such as anchors, oars, water skis, and more.
- Emergency service coverage that pays for emergency towing and assistance for your boat, outboard motor and boat trailer.
- Personal effects coverage that pays for accidental loss of your personal items while used in connection with your boat.
- Uninsured watercraft coverage that pays for bodily injury damages that you are legally entitled to recover from the owner or operator of an uninsured watercraft.
- Medical payments to the insured coverage that pays for accidental boating injuries sustained by you or your family members.
- Medical payments coverage that pays medical expenses to someone other than you or a family member if he or she is injured in an accident while occupying your boat.
- Loan gap coverage that pays either the outstanding loan balance or the actual cash value of the boat, whichever is greater, in the event of a total loss to your boat.
Discounts
Boat Owner Discounts
The Alliance Group companies offers a variety of discounts for boaters*:
- Loss Free Discount – You’ll receive a discount for remaining loss free each year.
- Multi-Policy Discount – Will reduce your boat owner policy premium when you also insure your home and personal auto with us.
- Safety Course Discount – You’ll receive a premium discount if you complete Power Squadron or U.S. Coast Guard courses.
- Safety Device Discount – Will reduce your physical damage premium for a number of different safety devices, such as fire extinguishers, fume detectors and depth finders.
*Additional discounts are available in select states. Some discounts may not be available in all states.
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