Woods Insurance Service: The Name for Better Boat Insurance

Boat & Watercraft Insurance

Woods Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. You’ll enjoy being on the water even more, when you aren’t worried about your safety, the safety of your passengers, or your investment.

Woods Insurance can help you determine the right amount of coverage to meet your specific needs. Call us today to get started.

Docks with different types of boats

What You Need to Know

Navigational Area

Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. Coverage for additional areas can be purchased in California, Florida, and Oregon.

Agreed Value Coverage

Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss, you will get the value you insured it for, minus any deductible.


Like car insurance, personal liability coverage provides coverage to other boaters in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

Medical payments

Medical payments coverage will pay for the cost of needed care resulting from a boating accident. This coverage covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Physical Damage Coverage

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury

Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel spill liability and wreckage removal

Should your boat sink or be severely damaged, there is a chance that it could leak oil or fuel into the water. You will be required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects

Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for specific requirements. Personal effects coverage does not include jewelry, watches, or furs.

Unattached equipment coverage

This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

Emergency Assistance

The Emergency Assistance Package provides coverage for towing, labor, and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Every boat is unique

Call us today  to find out how to get the best boat insurance coverage for you.

Contact Woods Insurance Service for a Free Quote on Boat Insurance

Woods Insurance Service offers free, comparative quotes on personal boat and watercraft insurance from multiple insurance carriers, assuring you of the best possible rates. Want to see how much we can save you? For a free online insurance quote, complete the quote form on this page or call Woods Insurance at (800) 949-3720 today. You can also stop by to our Woods Insurance NM or Woods Insurance CO regional offices to learn more.

We’re licensed in 33 states, so get started today.

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