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Boat
Insurance
Family Boaters Program
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Covers boats 26 feet and less in length
Settlement Options
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Agreed Value or Actual Cash Value (ACV) hull
coverage
Total Loss Settlement Endorsement
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For boats within one year of the model
year, and until the vessel reaches six
years, as long as it is successively
renewed
Optional Towing and Assistance
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Covers breakdowns while on the water
and if the trailer is disabled
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Up to $5,000 in coverage available
Optional Trailer Coverage
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Protects the trailer
specifically designed to
transport the covered vessel
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Up to $10,000 in coverage
available
Optional Personal Property
Coverage
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Wearing apparel
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Sports and fishing equipment
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GPS units and fish finders
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Other personal property
while on board or being
carried on or off the vessel
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Replacement Cost is
available
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Personal Property coverage’s
will be primary over other
forms of insurance
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Up to $10,000 in coverage
available
Medical Payments
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Necessary and reasonable
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Covers the insured and
their guests
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Covers medical payments
within one year of an
accident that caused
injury
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Applies while in, upon,
boarding or leaving the
boat
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Also covers being pulled
on water skis, wake
boards or tubes
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Medical Payments
coverage’s will be
primary over other forms
of insurance
Flexible Deductible
Structure
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Allows the
policyholder to
choose the
flat-dollar hull
deductible that best
suits them
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$250, $500, $1,000,
$2,500 and $5,000
options regardless
of the boat
settlement type
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The deductible will
not change as the
boat ages
Pollution
Liability Coverage
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Coverage matches
liability limits
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In the event
that the insured
is required by
law to clean up,
remove or
contain on
accidental spill
or leak of a
pollutant
Wide Range of
Discounts
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Multi-unit
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Multi-policy
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Prior
insurance
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Renewal
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Boating
safety
course
Yacht
Program
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Foremost
also
offers
an
option
for
placing
boats
over 26
feet
For more
information,
call
Happy
Trails
Insurance
Services
at
1-888-241-4445
for
Specialized
coverage
especially
for
large
vessels
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