Understand your risks
What are you really protecting on the water and at the dock?
Tap each hotspot to see what matters most in boats and jet ski insurance and how it protects your watercraft, passengers, and gear.
Liability coverage
Helps protect you if your boat or jet ski causes injury or property damage to someone else.
How Amara helps:
Liability coverage is the foundation of a boats and jet skis policy. If your watercraft causes an accident, damages another vessel, or injures someone, this coverage helps with covered claims and defense costs.
Coverage basics
Boats and jet ski coverage explained in plain English
Here’s the simple version of the main coverages so you can match the policy to how you use your watercraft.
Liability
Helps protect you if your boat or jet ski causes injury or damage to someone else.
Collision
Helps repair or replace your watercraft after a crash or impact.
Comprehensive
Helps with theft and non-collision losses like weather, fire, or vandalism.
Tow / assistance
Helps with towing and emergency help when you get stuck on the water.
Quick guide
What kind of boats or jet ski setup do you need?
Use this to see what kind of protection usually fits your watercraft and how you use it.
Fishing boat
Usually needs liability, collision, and comprehensive based on the boat’s value and use.
Pontoon boat
May need stronger liability and contents coverage for family, gear, and dock exposure.
Jet ski / personal watercraft
Usually needs liability plus collision, comp, and towing or assistance options.
Boat with trailer
May need coverage for both the watercraft and the trailer used to move it.