Get specialized boat insurance for as low as $100 per year

SOME OF THE COVERAGES WE HELP YOU GET

Sign & Glide® on-water towing

If you run out of gas or your boat breaks down on the water,  optional Sign & Glide coverage pays for on-water towing, fuel delivery soft ungroundings, and jump starts. We even arrange for the tow and pay the tow operator directly (in most cases). Simply download our Sign & Glide app on your smart phone and you’ll never worry about an on-water breakdown. More on Sign & Glide.

Example: You run out of gas in the middle of a lake. If you added this protection, just call our dispatch center (number included on your policy card) or contact us through the Sign & Glide app. We’ll then deliver fuel and/or tow you to the nearest shore.

Full replacement cost

When your watercraft needs to be repaired, we always bring your boat back to its previous condition or better, and never depreciate the value of any of your parts.

Example: Four seats are damaged on your 10 year-old boat. They’re older and only worth $50 each, so some insurers may only give you $200 ($50 per seat). But, you need new ones that cost $250 each. We’ll pay the full $1,000 for all new seats. That's an $800 difference!

Propulsion Plus®

Add Propulsion Plus and we repair or replace the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor, if you have a mechanical breakdown—even if it’s caused by wear and tear. Propulsion Plus is optional and starts at just $38/ per year. Compare that to the thousands you could pay out of pocket to fix it on your own.

Example: Your lower unit is 10 years old and simply runs its course and dies on you. Typically, normal wear and tear wouldn’t be covered by insurance. But if you add Propulsion Plus coverage, your insurer pay to repair or replace your lower unit.

Wreckage removal & fuel spill

Wreckage removal and fuel spill coverages are automatically included in every boat insurance policy. If your boat sinks or you’re responsible for a fuel spill, we cover the bills all the way up to your policy’s property damage liability limits. We only remove your sunken boat if it’s legally required.

Example: Your old boat sinks while docked. The Coast Guard may require you to remove the wreckage and address any fuel spills. Just contact us to file the claim, and we cover the costs.

Insurance limitations for boats and PWCs

When it comes to boat insurance, Our boat insurance companie boasts some of the broadest acceptability in the business. But there are some types of vessels that can’t be added to a new or existing  policy:

• Boats over 10 years old and worth more than $500,000
• Boats 11-20 years old and worth more than $250,000
• Boats more than 20 years old and worth more than $60,000
• Boats used as a primary residence (live aboards)
• Houseboats that do not have motors
• Homemade boats without a hull identification number
• Boats with more than two owners
• Boats with steel or wood hulls
• All amphibious land boats, hovercraft, or airboats
• PWCs worth more than $27,000
• Boats that do not meet published U.S. Coast Guard standards

We also cannot insure boats over 50 feet in length. In some hurricane-prone states, the limits can be 35 feet and $175,000 in value.

As a boater, you have specialized insurance needs. A Shaw Crosby Insurance Brokerage agent understands your needs and can answer your questions about what different boat insurance coverage types protect so you can build a policy that makes the most sense for you. In addition to helping you with your policy, your agent can help you:

• Save money with boat insurance discounts
• Understand the claims process
• Access tips and expertise on boat safety and maintenance. 

On top of that, you'll have access to our highly trained service agents. They'll be happy to help you make a change to your policy or answer any questions you may have. Call 1-855-498-0515 for help with a specialized policy.