Boat & Yacht Insurance

What Floats Your Boat?

There’s nothing quite like getting out on the water—whether it’s in your boat, jet ski, or yacht. But as every captain knows, smooth sailing can turn into rough seas quickly. And owning a boat comes with risks both on and off the water.

At Riemer Insurance Group, our business is protecting yours—including your adventures on the water. Let’s make sure your “financial boat” doesn’t sink when the unexpected happens.

What’s Covered?

The most important coverage is for the things that matter most to you. Typical boat insurance may include:

Personal liability – if you injure someone or damage property
Boat, motor & trailer – protection for your watercraft and equipment
Medical payments – coverage for injuries to you or passengers
Physical damage perils – protection against collisions, storms, theft, and more

We can help insure a wide variety of boats and personal watercraft, including:

Runabouts
Mini jet boats
Sailboats
Pontoons
Houseboats
Cabin cruisers
Fishing boats & bass boats
Yachts and more

Does Homeowner’s Insurance Cover Boats?

Maybe. If your boat is just parked in the driveway, your homeowner’s policy might offer minimal coverage—but it won’t fully protect you once you set sail.

Most homeowner’s policies limit boat coverage by size, horsepower, and type of damage. That means if you don’t carry a dedicated boat insurance policy, you could be left underinsured. And that’s risky if your craft is damaged, sinks, or a guest causes an accident.

Why Boat Insurance Matters

Insurance is designed to be your shield—protection you can rely on when things go wrong. But you can’t buy coverage after an accident. That’s why it’s important to secure the right policy before you ever leave the dock.

Our job is to:

Build the strongest shield possible for you and your vessel
Recommend the right limits to protect your assets and income
Ensure you receive every discount available

Boat Insurance Discounts

Great coverage doesn’t have to come with a big price tag. Many carriers offer discounts for:

Owning your home
Taking a safety course
Insuring multiple vessels
Bundling with other insurance policies
Having idle-assisted steering installed
Paying your policy in full annually
Maintaining a clean driving record
Being the original owner

We’ll help you find every discount you’re eligible for—so you get the strongest coverage at the best value.