When you cover your boat with our Universal Security Policy (USP), you get protection that provides:*

• Replacement Cost Coverage - We'll consider your boat "new" if its model year is 10 years old or less. If you've covered your hull, motor and equipment, we'll replace or repair covered items without deducting for depreciation.
• Personal Property on Board - You automatically get $5,000 in coverage, without having to write a separate rider.
• Uninsured Boaters Coverage - We include $15,000 in uninsured boaters coverage when you cover your boat with our USP, a higher limit than many other boat insurance policies.
• Business Entertainment on Board - Unlike many other policies on the market, your USP boat coverage generally includes losses incurred while using your boat for entertaining business clients (as long you're not receiving direct remuneration).
• Hull Coverage for Non-Owned Boats - Renting a sailboat, jet ski or other boat? If you incur a covered loss, you're insured to the limit of the most valuable boat you own.