Boat Insurance Built for Real Adventures—Not Just Dock Duty
Whether you’re casting off for a quiet morning of fishing or towing your pontoon to the lake for a weekend getaway, your boat deserves coverage that’s as dependable as your tow vehicle. At Twin Peaks Insurance, we help boaters across 40+ states find protection that fits how they actually use their watercraft.
We partner with top specialty carriers like Progressive, Foremost and Safeco to offer marine coverage that’s easy to customize—so you’re not stuck with a one-size-fits-all plan.
We help insure:
✔️ Pontoons and Tritoons
✔️ Bass Boats and fishing boats
✔️ Wakeboard and Ski Boats
✔️ Deck Boats and Cabin Cruisers
✔️ Personal Watercraft (Jet Skis, Sea-Doos, Waverunners)
✔️ Sailboats and Small Yachts
Coverage options include:
Physical damage (on the water or in storage)
✔️ Liability protection
✔️ On-water towing and assistance
✔️ Trailer and transport coverage
✔️ Fuel spill and wreckage removal
✔️ Fishing gear and equipment coverage
✔️ Agreed value and total loss replacement options
Why boaters choose Twin Peaks:
We specialize in all things recreation—from RVs and trailers to watercraft of all kinds. When you work with Twin Peaks, you get access to real insurance specialists who understand seasonal use, transport, and multi-policy discounts. Plus, our carriers offer marine-specific claims teams who know their way around a boat.
Boat Insurance coverages
- Navigational Area — Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In Florida, extensoin coverage for additional areas can be purchased.
- Agreed Value Coverage — Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
- Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
- Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
- Physical Damage Coverage — Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
- Uninsured/Underinsured Watercraft Bodily Injury — Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
- Fuel Spill Liability and Wreckage Removal — Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
- Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.
- Unattached Equipment Coverage — This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
- Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Set sail with confidence.
Get a Boat Insurance Quote Here »
We’ll help you protect your investment—so you can enjoy more time on the water and less time worrying about the “what-ifs.”