What’s Included in a Shelter Boatowners Policy

Whatever your speed, we’ve got your covered! Shelter’s boat insurance policy provides flexible coverage that helps pay for accidental loss or damage to your boat, motor, personal watercraft, trailer and other equipment. The liability protection of this policy helps pay for your responsibility for accidental bodily injury, damage to other boats, other property damage and more!

Policy Options and Features Include:

• Physical Damage – helps pay for accidental loss or damage to your boat, motor, trailer or other listed boat equipment (subject to deductible). Shelter offers replacement coverage for boats and personal watercraft up to two years old even if you are not the original owner.
• Emergency Service – Includes up to $500 for covered towing.
• Personal Property/Boating Equipment - $1,000 coverage is included on all policies with watercraft physical damage coverage. Higher limits are available.
• Uninsured/Underinsured Coverage – helps pay for bodily injury losses if you are hurt by someone who does not have insurance coverage or does not have enough available coverage.
• Bodily Injury and Property Damage Liability – helps cover legal liability (up to your purchased policy limits) that you may incur if you or someone using the insured boat with your permission accidentally causes bodily injury or property damage with your boat. Shelter offers limits of liability up to $1,000,000.
• Accidental Death and Dismemberment Coverage – helps pay for accidental injuries while boating, water skiing, swimming or participating in similar water sports.
• Medical Payments – if you or someone else is accidentally injured while riding in or being towed by the insured boat, your Shelter Boatowners policy may help cover the resulting reasonable medical expenses up to the limits of your purchased policy.

Money Saving Discounts Available For:

• Approved safety courses
• Automatic Fire Extinguisher System
• Diesel engine
• Safe boating
• Companion policy

Visit our Boat Insurance page for more information about coverage and discounts.

*All coverage is subject to exclusions. Some types of property or losses are not covered. The policy purchased and the facts of each situation will control in the event of a loss. In the event of a conflict between the policy purchased and this information, the policy’s provisions will prevail.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.

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