Watercraft

From bass boat to jet skis to yachts, we can cover it all! We customize coverage for your specific needs to give you peace of mind while sailing the high seas. Our AM Best, top rated carriers understand the unique challenges presented to Florida watercraft owners as well as those moored out of state and in international waters. As such, have coverage that can be tailored to each individual watercraft owner.

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Our boat and personal watercraft insurance is available for:

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• Yachts
• Bass Boats and fishing boats
• Powerboats
• Center Console
• Pontoon Boats
• Jet Skis
• Wave runners
• Sailboats
• Trailers

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Some of the coverage options available include:

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• Extended Coastal Navigation Limits
• Agreed Value Coverage and Total Loss Replacement/Purchase Price coverage
• Liability and watersports liability
• Medical Payments
• Physical Damage Coverage
• Uninsured/Underinsured Watercraft Bodily Injury
• Fuel Spill Liability and Wreckage Removal
• Personal Effects
• Unattached Equipment Coverage (didn’t know we had this but cool)
• Emergency Assistance
• Marine Electronics coverage
• On water towing
• Fishing Equipment
• Named Storm Deductible options
• Disappearing Deductible options

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And don’t forget about the discounts… we love discounts!

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• Captain’s license
• Favorable driving history (auto & boat)
• Coast Guard Auxiliary class
• Original Owner
• Experience
• ... and more!

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Contact Melissa Ems Insurance Agency for a quote with AM Best rated top carrier such as Progressive, Safeco, Bristol West, Charter, Markel and more.

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Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.