Boat and Yacht Insurance

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

190,000+
customers choose Acuity

We would be proud to insure your boat or yacht. Our team is here to help provide you with the peace of mind that your maritime insurance will cover you whenever you need it.

96%
customer claims satisfaction

We want the claim process to be a calming one. Your satisfaction is extremely important to us. So when a claim comes in, we'll put your mind at ease and make sure you know you're covered.

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.


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.


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.


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


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Get answers from our insurance experts.
    • If you’ve ever had to rebuild your home after a catastrophe, you probably know that reconstruction often costs more than new construction. If you haven’t experienced this, consider yourself lucky—but you should probably tune in anyway. There are many reasons repairs to your home could cost more than building something new.
    • Winter weather can be tough on your vehicle. The cold temperatures bring snow and ice that you have to scrape off. On top of that, salt and sand are used to combat icy roadways. And we can’t forget the slush and snow that you and your passengers are bringing into your vehicle.
    • It is the dead of winter, and you are stuck indoors. Fortunately, you don’t have to wait until it gets warm to tackle a home improvement project! You may be wondering what kind of home improvement projects you can accomplish. With a little motivation, there are actually several indoor projects that could enhance any room.
    • You may think that if you don’t own a car that you couldn’t possibly need auto insurance. That if you do drive your friend’s insurance will cover you, but this may only be the case for the car, not you and your passengers. A non-owner car insurance policy can be valuable if you occasionally drive a vehicle but do not own one. It can also satisfy legal requirements.

    • Addie B.
      Author of Home Focus

    • Lisa D.
      Author of Auto Focus

    • Addie B.
      Author of Home Focus

    • Lisa D.
      Author of Auto Focus

    RESOURCES


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    Brochures

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    Video gallery

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    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 57th largest insurer in the nation and manages nearly $4 billion in assets.

    Happy employees lead to happy customers

    Named #2 on the 2016 FORTUNE "100 Best Companies to Work For®" list.