Boat Insurance

Boat Insurance - Advantage America Insurance

Boat Insurance

A boat can bring you a lot of good times! It’s also a commitment of time and money. That’s a big investment to put at risk when a typical homeowners policy will not adequately cover your boat! Lucky for you, an agent can help you choose the right Foremost policy for your boat, so you can go out and enjoy the waves while someone else takes care of the paperwork!

Liability Only

This broad coverage is meant for accidents involving your boat (the coverage is for third-party injuries and property damage). This option allows you to make the decision to only buy Liability coverage. You decide.

Water Sports Liability

This is automatically included with a purchase of liability coverage, for bodily injury or property damage caused by someone towed by your watercraft for activities such as waterskiing, knee boarding, wakeboarding or tubing. Devices that are designed for flight are excluded.

Protect your boat or personal watercraft with boat insurance. There are plenty of options with your coverage, including roadside assistance, on water towing, total loss replacement, and also covering anything that is attached to your boat. It will also cover any liability issues that may be caused by an accident.

Medical Payments

Hopefully never needed, but always important with boat insurance, this coverage pays for the necessary medical care you receive as a result of a boating accident. This program also covers any guests in the boat at the time of the accident.

Uninsured Watercraft

This takes care of you when the other at-fault person doesn’t have insurance. Uninsured Watercraft will cover injuries and damages that you incur that the other person is legally liable for, such as medical treatment and lost wages.

Agreed Value Hull Coverage

We don’t nickel and dime you at the time of a loss. Foremost will cover your boat for an agreed amount, period. That means we will pay that amount of insurance if you have a total loss, agreed upon and stated on your policy. This gives you an added measure of protection. Available on boats newer than 26 years old.

Total Loss Settlement Endorsement

Do you have a new boat and want to have extra protection in the event of a total loss? This can save you a lot of worry and money! We will pay up to 20% more than the amount of insurance to replace a covered watercraft with a current model. And it only costs $10 to add to your coverage! The endorsement must be added to the policy no later than one year after the watercraft’s model year. Eligibility continues during the five years following the model year, provided it’s successively renewed with the policy. This way you don’t have to worry about depreciation.

Towing and Assistance

We will pay for towing or assistance expenses you incur while in the water or on the road (with a trailer equipped to transport your boat safely).

Trailer Coverage.

The Foremost Boat Insurance Program covers trailers equipped to transport your boat safely (exclusions apply).

Wreck Removal

We cover just that, wreckage removal. This pays for reasonable costs from any attempted raising, removal or destruction of your insured boat when you are involved in an accident with a third party.

Personal Property

Fishing equipment, wetsuits and more are covered with Personal Property coverage.

Annual Policy

If there’s a beautiful sunny day, you don’t want to miss it. No calls, no hassle. With our annual policy, your boat is insured even in the “off-season.”


Let Advantage America Insurance Services show you the best boat insurance option for your watercraft.

With boat insurance, you can cover all kinds of boats:

  • Personal watercraft
  • Jet boats
  • Sailboats
  • Fishing boats
  • Houseboats