Back to top

Encompass® Boat Insurance



Leave your worries at the dock.

Encompass boat and watercraft insurance delivers comprehensive protection for water enthusiasts of all types. We insure customers with watercrafts, covering everything from jet and powerboats to personal yachts and sailboats. Our policies can be specially tailored to your needs.

Smooth sailing protection for your watercraft.

With enhanced limits and coverage options, our policies help keep you and your watercraft protected. And we include many features, such as:

  • Replacement cost coverage.

    Applicable for boats up to 10 model years old and provides replacement cost for your watercraft with no deduction for depreciation.

  • Uninsured boaters coverage.

    Pays for bodily injury to you or your passengers caused by an uninsured boater.

  • On-board personal property.

    Protects on-board personal property, up to $1,000, with higher limits and guest property coverage also available.

  • Liability and medical payments.

    Protects you and your passengers, including clients or even employees, provided you are not charging them to use your boat.1

  • Hull coverage.

    Covers certain types of boats you may borrow or rent.


Talk to an agent to find out which policy is right for you.

Encompass boat and watercraft insurance is available as a standalone policy or as a component of any of our EncompassOne® Policies. Discuss which one is right for you with one of our Encompass Independent Agents.

Find an agent

Coverages and discounts are subject to terms, conditions and availability. Savings vary based on state, coverages and other factors. Coverage and products are not available in every state. Availability of discounts varies by state. Discounts are subject to terms, conditions and availability. Please see your Encompass policy for details or call an Encompass Insurance Independent agent for more information.

1 Coverage available provided you're not charging passengers to use your boat.

ECC Monitor: OK