Boat & Watercraft Insurance

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What’s your nautical style? You might spend summer afternoons in search of that big bass in your new fishing boat. Perhaps you have the perfect pontoon boat for a relaxed cruise around the lake on the weekends. Maybe your sailboat takes you on solitary journeys wherever the wind takes you.

Call 1-888-938-2121 for a quote today.

Boats and personal watercraft are big purchases, but if you love being on the water, you know they’re worth it. With industry-leading features, Farmers® Marine Choice® can help you protect your vessel in the way you want — And your Farmers agent can help and provide information on discounts as you customize your coverage.


Boat Packages

Provides Actual Cash Value settlement at an affordable price. 

Includes popular options like Total Loss Replacement Cost, Watersports Liability, Diminishing Deductible and Hurricane Haul-out. 

Adds unique features to help you protect your boating lifestyle, including coverage for Bahamas and Mexico navigation, Trip Interruption, pets, Enhanced Towing, Pollution Liability, Dinghy and more. You also get policy perks like Loss Forgiveness and Guaranteed Renewal.

Here are some ways a Marine Choice package may help if the unexpected happens:

A hurricane is approaching

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The marina where you dock your cabin cruiser is in the path of an approaching hurricane — you want to get it out of the water and hauled to a safe location as soon as possible. 


Plus and Elite packages both help with the cost of professional haul-out when a hurricane or tropical storm threatens your boat — up to $500 with Plus or $2,000 with Elite.

Your motorboat breaks down

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Your motorboat stalls in the middle of the lake — and won’t restart. You’re not sure what went wrong, but you need help right now.


Optional coverage may help with the cost of emergency labor where your boat is disabled — or a tow to the nearest location where repairs can be made. The Elite package may also cover the cost of gas, oil or a battery, if needed.

You want protection in the Bahamas

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You decide to fulfill a lifelong dream of sailing to the Bahamas for a few weeks of relaxation.


Your coverage may extend beyond U.S. waters to the Bahamas — and Mexico — with an Elite policy.

Farmers packages

Farmers also offers packages — with many available Elite benefits — specially tailored to these types of boats:

  • Pontoon
  • Classic
  • Performance

Personal Watercraft

Farmers covers all types of personal watercraft with options and benefits designed for watercraft enthusiasts.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a boat or personal watercraft insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn how Farmers can help you protect your boat or personal watercraft, call an agent today.

For a quote call 1-888-938-2121.

Gil Weiss trains sales teams at dealerships for nearly every major automaker in North America.

We interviewed Weiss to seek out tips on how to negotiate with a car dealer to achieve maximum savings.

Read the story: New Car Tactics that Could Save $100s (or $1,000s) on Your Next Deal

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Insuring my boat for a full year seems like a waste. Around here, boating season only lasts about four months. What are my options for all the months my boat just sits at the marina?

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Call 1-888-938-2121 for a quote today.