Coverage

Boat & Watercraft

Hull, liability, and wreck-removal coverage. Homeowners policies cover only small craft, and only barely.

By state

Boat & Watercraft by state

Insurance is regulated state by state. What a policy must include, what it may exclude, and who writes it all change at the state line.

Buying guidesHow to choose an insurance agentAnyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.Aug 2026 · 6 min read
Coverage explainedAuto insurance explained: what each coverage actually pays forAn auto policy is six separate coverages sold as one product. Most of them have nothing to do with your car. Here is what each one does.Aug 2026 · 8 min read
Coverage explainedHomeowners insurance explained: the six parts of the policyA home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.Aug 2026 · 7 min read
Coverage explainedFlood insurance explainedA separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.Aug 2026 · 5 min read

Talk to someone who has to write it down

Every certified agency has agreed to present an adequately protected option before a price-driven one, and to document in writing anything you decline. That is a different conversation from the one that starts with a monthly figure.

Find a certified agent

Boat & Watercraft by state

Reading on boat & watercraft

Talk to someone who has to write it down