Boat and Yacht Insurance

We’ve got you covered so you can relax out on the open water.   

190,000+
customers choose Acuity
With Acuity navigating your boat insurance needs, you can enjoy smooth sailing ahead. Our crew is here to make sure your policy will cover you whenever you need it. ******
95%
customer claims satisfaction
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

BOAT & YACHT POLICY


Here's what we'll cover with your boat policy.

Acuity is different than most insurance companies. We have the products you need as a boat owner and top-notch service. So you can get out there and soak up the sun and leave your insurance worries behind.


Accessories and personal effects

A $500 limit is included at no charge to provide coverage for boat accessories and other personal property.


Boatowners program

This program is designed to insure boats 26 feet or more in length as well as boats with cooking and sleeping facilities.




Flexible coverage options

Unfortunately, it’s not always smooth sailing. That’s why we provide the option of selecting the coverage that works best for you, whether that’s choosing specific coverages or selecting the single limit option to cover your boat, motor, trailer, and accessories.


Discounts

Enjoy a discount if your yacht has a ship-to-shore radio telephone, built-in CO2 fire extinguishing system, vapor detection system, or depth finder, or if it is powered by a diesel engine. There’s also a discount available for those completing a yacht instruction course.




Road and Residence®

This unique package provides all the coverage you need in one policy with increased limits, added coverage, and discounted prices.


Save up to 20%

Package your home, auto, & boat coverages

The Road and Residence® program combines home, auto, and other personal insurance into one policy with value-added features.

Our passion is our customers and it shows.
Our passion is our customers and it shows.

CUSTOMER STORIES


Our adjuster went way beyond our expectations in making sure we understood the claims process and making sure we felt supported with each step of the process . . . I highly recommend Acuity to anyone who is looking for an insurer and hope we can remain a customer for years to come.

Josh

Tennessee


BLOG

Get answers from our insurance experts.
    • With everything happening in the world today, many of us have experienced changes to our routines. Some are working from home for the first time, others have been operating a business out of their home for years, and some have had to transition their small business from a shop location to their home in an attempt to save their business. If you are operating a business out of your home, it is important to make sure you are properly covered.
    • If you are like many people, after you've been living in your home for a while, you start to look for DIY projects. From small changes to big renovations, it can be fun to give your spaces an updated look. Before you get to knocking out walls, may we suggest starting with a small painting project to get you warmed up?
    • Ever thought about a career in insurance? Probably not—unless you know someone who works in the insurance industry. If you are thinking about college, interested in a career change, or just curious, consider some of the following benefits of a career in insurance.
    • When it comes to owning a home, there can be unexpected costs. While everyone does their best to factor in the potential cost of repairs and upkeep when buying a home, some things can sneak up on you—like damage to the underground wiring or piping that services your home. While it is always important to contact Diggers Hotline before any landscaping projects, there are times when damage occurs that is outside your control.

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    • Lisa D.
      Author of Auto Focus

    • Addie B.
      Author of Home Focus

    RESOURCES


    Other things you might be interested in.

    Brochures

    Learn more about our products.

    Video gallery

    See the latest videos from our experts.

    Glossary

    Check out our glossary to help you understand your policy.


    FAQs


    Have questions? We have answers.


    Report the accident to the police, even if it’s minor. Take photos of the scene and get as much information as possible from anyone else involved (vehicle information, names, addresses, insurance providers, etc). Contact us as soon as possible to report a claim, via phone at 800.242.7666, our website, or through your local agent.  


    Yes, a 5% discount applies if the principal operator of the yacht has successfully completed a course through the U.S. Power Squadron or U.S. Coast Guard Auxiliary.


    Yes, passengers on the boat are covered under the liability portion of the policy.


    A $5,000 limit for accessories and personal effects is included at no charge. Higher limits are available—just talk to your agent.


    ABOUT US

    Get to know us.

    We're rated A+

    Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making Acuity an icon of strength.

    ** ***

    In business since 1925

    Acuity is the 56th largest insurer in the nation and manages over $4 billion in assets.

    ****

    Our People

    At Acuity, our people make the difference. Our knowledgeable employees are passionate about serving you and take the time to understand your unique needs.