Boat Insurance

Coverage for Watercraft, PWCs, and More

Why Watercraft Insurance Matters

From weekends adventures on the water, boating can be a big part of life but these adventures can come with risks. Boat insurance protects you, your passengers, and your investment from accidents, injuries, weather, and more. Gateway Insurance offers coverage tailored to your boating needs.

Key Protections for Your Boat, Gear, and Passengers

A line icon of a document with a dollar sign symbol and a shield featuring a checkmark, representing financial security.

Liability Coverage

Covers injuries and property damage if you're responsible for an accident-on or off the water.

A black icon of a shield with a checkmark, overlapping a wrench.

Physical Damage

Coverage for repairs or replacement of your boat, motor, trailer, and gear after collisions, storms, vandalism, or theft.

A black line drawing of a car with a shield icon placed over the roof, representing vehicle insurance or protection.

Uninsured/Underinsured Boater

Protection if you're hit by another boater without enough coverage.

A medical document icon overlapping a stack of coins, representing healthcare billing, finance, or insurance claims.

Medical Payments

Coverage for guest/passenger injuries, regardless of fault.

A simple black line-art icon of a motorboat floating on wavy water.

Towing & Emergency Assistance

Coverage for breakdowns on the water, stranded towing, and delivery of fuel or emergency services.

A black and white line-art icon of a ship's steering wheel.

Accessory & Equipment Coverage

Add protection for fishing gear, electronics, and special equipment.

Boats, PWCs, and More-Custom Coverage for your Ride

A black checkmark icon inside a circle.

Fishing boats & bass boats

A black checkmark inside a circle.

Pontoons & deck boats

A black outlined circle containing a simple, bold checkmark.

Wake boats & ski boats

A black checkmark icon inside a circle.

Personal watercraft (PWCs) & jet skis

A black checkmark icon enclosed within a circle.

Canoes, kayaks, paddleboards

A black checkmark icon inside a circle.

Trailers (if needed)

Gateway has multiple carriers, we try to obtain the best rates, features, and we offer local personal service.

Boat Insurance for Financed Boats & Docked Vessels

A black, circular outline containing a bold checkmark.

Many lenders/marinas require proof of coverage and specific liability limits. Gateway can coordinate the documentation you need.

A black outlined checkmark inside a circle.

Seasonal storage? Policies can be set up for winter lay-up or year-round protection-keep your boat safe even when not in use.

Boat Insurance-Questions Answered

  • Is boat insurance required?

    Depending on the area you use your watercraft, whether it's required by law or not, but many marinas and lenders do require it. Coverage is highly recommended for all boaters.

  • What does boat insurance cover?

    Liability, physical damage, medical payments, towing, equipment, and more-Gateway will explain your options.

  • Do I need insurance for a pontoon or jet ski?

    Yes-PWCs, pontoons, and most watercraft benefit from dedicated policies tailored to how and where you use them.

  • Does boat insurance cover passengers and towing?

    Yes-medical payments cover passengers; towing is available as an endorsement.

Person's hands gripping a boat steering wheel, controlling the vessel. Dashboard details visible: gauges and cup holders.

Boating Coverage Built for How You Use It

A black outlined circle containing a simple, bold checkmark.

Boaters can face fast weather changes and busy launches-coverage helps with on-water and dock mishaps.

A black checkmark inside a circle.

Storage and transport damage (storm, theft, vandalism) are some of the common claims, we can help you prep for the risks you face.

Protect Your Next Day on the Water-Quote Today

Whether you fish, cruise, ski, or ride, Gateway Insurance can review what you may need, and find the policy for your individual needs. Plus, we can handle all paperwork-so you can focus on the fun.