Boat & Watercraft Insurance

In Georgia, as in most states, boat coverage is optional. However, it may be required by your finance company if you are still paying off the vessel or by some marinas and harbors as a contingency for docking there. Your Structured Insurance Agency, LLC agent can help you decide what insurance you need for your boat or watercraft.

Is boat insurance right for you?

Boating comes with certain risks. If you would like advice on what type of insurance makes sense for your boat or watercraft, your Structured Insurance Agency, LLC agent can help. Luckily, several coverage options can help you protect your boat.

Types of Boat & Watercraft Insurance

Comprehensive Coverage

Covers non-collision-related damages. For example, if your boat is damaged in a flood, this coverage covers repairs


Covers repairs if your boat is damaged in a collision

On-water Towing

Covers towing if you breakdown on the water


Covers costs for property damage and bodily injury for an accident you cause

Medical Coverage

Boat insurance medical covers injuries from a boat crash. However, review your health insurance first, because your health insurance may already cover boat-related injuries.

Uninsured/Underinsured Coverage

If you have uninsured boat coverage, you don’t have to worry about property damage and injuries caused by an uninsured boater.

Let's talk

Whether you'd rather call, email or pay us a visit, we'd love to talk about how we can help protect the things that matter most to you.

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