customers choose Acuity
positive claims experience
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.
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.
Accessories and personal effects
A $500 limit is included at no charge to provide coverage for boat accessories and other personal property.
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.
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
RESOURCES
Other things you might be interested in.
Learn more about our products.
See the latest videos from our experts.
Check out our glossary to help you understand your policy.
FAQs
Have questions? We have answers.
I’ve been in an accident. What do I do?
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.
Are there any discounts for taking a boating safety course?
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.
Does boat insurance cover passengers?
Yes, passengers on the boat are covered under the liability portion of the policy.
Are things like life jackets and fishing gear covered?
A $5,000 limit for accessories and personal effects is included at no charge. Higher limits are available—just talk to your agent.
We're rated A+
Only commercial regional insurer to be rated A+ by both AM Best and Standard & Poor's, making Acuity an icon of strength.
In business since 1925
Trust our longevity. Our expertise stems from nearly 100 years in the insurance business.
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.