Power boat on lake

Boatowners Insurance

Boat More Worry Less!

You probably have insurance on your home and auto, but do you have the proper insurance coverage on your boat? Our IMT Boatowners policy provides you with the proper protection so you can truly enjoy a nice relaxing day on your boat!

Our IMT Boatowners policy allows you to insure almost any type of recreational boat:

  • Bass Boat
  • Cabin Cruiser
  • Catamaran
  • Houseboat
  • Personal Watercraft
  • Pontoon
  • Sailboat
  • Ski Boat

Enhanced Coverages

The following coverages are included on your policy when property coverage is purchased for your recreational boat:

Up to $1,500* for detachable boating equipment, boating accessories, fishing equipment, various types of personal property, and property of a guest. Loss settlement is on a replacement cost basis.

*Higher limits may be purchased.

Up to $50* for towing and labor arising from the disablement of a covered boat.

*Higher limits may be purchased.

For boats up to 5 model years old. If your boat is totaled due to a covered loss, we will replace it with a current model year boat of the same make, model and covered equipment without subtracting for depreciation.

Optional Coverages

Covers injuries or damages that you are legally liable for as the result of riding in the boat or water sports such as water skiing, riding an inflatable behind the boat, knee boarding, wake boarding, or similar.

Covers sudden and accidental pollutant spills such as fuel. This includes an accident when fueling, sunken boats, or leaking tanks.

Covers the cost to raise, remove, or destruct your boat caused by it stranding, sinking or burning, if legally required.

Provides property coverage for boats, motors and boat trailers listed on declarations as well as substitute boat, non-owned boats and newly acquired boats, motors or trailers acquired.

Covers medical expenses if you or any of your passengers are injured while riding in the boat, water skiing, or riding on an inflatable behind your boat.

Protects you and your passengers from injuries sustained as the result of an uninsured or underinsured boat.

Available Discounts

  • Boater Safety Course Completion
  • Diesel Fuel
  • Financial Stability
  • Multi-Boat

Factors that may modify the rating tier of your policy, resulting in a better rate:

We encourage you to find out more about the IMT Boatowners policy and obtain a free quote by contacting a local IMT Independent Insurance Agent!

This is a brief summary of coverage and is intended only as an aid in selecting a policy. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions, or contact your IMT Independent Insurance Agent for complete details.

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