Boat & Watercraft Insurance in Indiana
Local Indy guidance—statewide protection for lakes and rivers
Whether you’re cruising on Geist, towing a skier at Morse, chasing bass on Monroe, exploring Wawasee, or ripping a PWC on Patoka, AOG Group | Allstate makes coverage simple and budget-smart. Our licensed local team pairs friendly service with clear options—so you know exactly what’s covered and why.
Watercraft we insure (eligibility varies)
- Pontoons & tritoons
- Runabouts / bowriders / ski & wake boats / jet boats
- Bass boats & aluminum fishing boats
- Personal watercraft (PWC: Jet Ski®, WaveRunner®, Sea-Doo®)
- Trailerable sailboats & small cruisers
- Boat trailers & select accessories
- Kayaks/canoes (ask how coverage applies—options vary)
Tell us where you boat (inland lakes/rivers, nearshore Great Lakes) and how you use your craft—we’ll match coverage and navigation territory.
What boat & watercraft insurance typically includes
- Watercraft Liability (BI/PD): Helps protect your finances if you’re legally responsible for injuries or property damage to others.
- Uninsured/Underinsured Boater: Helps when the at-fault boater has too little—or no—coverage.
- Medical Payments: Helps with medical costs for you and eligible passengers after a covered accident.
- Hull Coverage (Collision & Comprehensive): Helps repair/replace your boat or PWC after a covered crash, theft, fire, vandalism, or certain weather damage.
- Wreck Removal & Fuel-Spill Liability: Often included/available to help address required cleanup after a covered loss.
Coverage, limits, deductibles, navigation areas, and valuation method vary by policy and state. We’ll review specifics before you buy.
Popular add-ons for Indiana boaters & PWC riders
- Agreed Value / Total Loss Options: Help address depreciation on newer or specialty boats (where available).
- Trailer Coverage: Physical damage for your boat/PWC trailer; ask about liability coordination with your auto policy.
- On-Water Towing & Emergency Services: Assistance for breakdowns, soft groundings, or fuel delivery.
- Personal Effects & Fishing Gear: Extra limits for tackle, rods, electronics, coolers kept on board.
- Equipment & Accessories: Sonar, trolling motors, Power-Poles, towers, PWC accessories, and aftermarket upgrades.
- Freeze / Winterization Options: Ask how coverage treats freeze damage when properly winterized.
- Roadside Assistance (where available): Help for the tow vehicle/trailer package.
Real-world scenarios we plan for
- Storm-driven dock damage dents the hull and rails → comprehensive.
- Prop or intake strike on submerged debris bends the lower unit/impeller → collision.
- Guest slips on the swim platform and needs stitches → liability/medical payments.
- Trailer fender crunch in a parking lot → trailer coverage.
- Hit-and-run on the lake at idle → uninsured/underinsured boater.
Trailering, storage & season tips
- Lay-up period: Save during off-season while keeping theft/fire coverage active.
- Winterization: Document service; consider freeze options where available.
- Inventory upgrades: Photos/receipts help set proper accessory limits.
- Safety first: Wear PFDs, carry required equipment, and follow no-wake zones.
Ways to save (subject to qualification)
- Bundle & save: Boat/PWC + home/condo/renters/auto.
- Claims-free & responsible payer discounts.
- Boater safety course credits.
- Storage & anti-theft measures (garage, locked marina, GPS/alarms).
- Higher deductibles you’re comfortable with.
Why AOG Group | Allstate
- Local experts, statewide reach: Indianapolis, Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, Avon, Brownsburg, Lafayette/West Lafayette, Bloomington, Muncie, Columbus, Terre Haute, Fort Wayne, South Bend, Evansville—we serve all of Indiana.
- Plain-English guidance: Side-by-side quotes for limits, deductibles, navigation areas—no guesswork.
- Fast proof of insurance: Lender/marina documentation handled quickly.
- Proactive reviews: Update coverage when you add electronics, upgrade motors, switch lakes, or add a PWC.
FAQs
Does my homeowners policy cover my watercraft?
Home policies may offer limited coverage for small, low-horsepower craft—but most boats/PWCs need a dedicated policy for proper liability and hull protection.
Agreed Value vs. Actual Cash Value—what’s the difference?
Agreed Value aims to pay a preset amount on a total loss (minus deductible) for eligible vessels; ACV factors depreciation. We’ll quote both where available.
Is my trailer covered?
Trailers usually require scheduled coverage for physical damage; certain liability may follow your tow vehicle—ask us to coordinate with your auto policy.
Does my policy cover skiing, tubing, or PWC tow-sports?
Liability can extend to towed sports subject to policy terms and safety rules. We’ll review how your policy treats it.
Are fishing tackle and electronics covered?
Basic limits may be small. Add personal effects/gear and equipment coverage for sonar, trolling motors, rods/reels, and PWC accessories.
Where am I covered?
Navigation territories vary (e.g., inland lakes/rivers; certain nearshore Great Lakes). We’ll match your boating area.
Our simple process
- Vessel profile & quote: Year/make/model, motor, electronics, trailer, where you boat, and storage.
- Customize your plan: Choose limits, deductibles, navigation area, and add-ons.
- Bind & launch: Digital ID and proof for marinas/lenders—fast.
- Annual check-in: Tune coverage before peak season or after upgrades.
Ready to insure your next launch?
Let’s build boat & watercraft coverage dialed to your water, your gear, and your season. Request a custom quote from AOG Group | Allstate in Indianapolis—serving boaters and PWC riders across Indiana.
Disclosures: Product features, underwriting, discounts, and availability vary by policy form and state. Terms, limits, conditions, exclusions, navigation territories, and valuation methods apply. Coverage is determined by the policy documents issued. We’ll review specifics with you before you buy.
