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Boat and Personal Watercraft Insurance

Watercraft Insurance with more options

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. So protect your fun investment with coverage that’s designed with the boat lover in mind. Not with some standard coverage or add-on to your Homeowners insurance.  Whether it be skiing on Lake Grapevine, fishing on Lake Tawokani, or spending a relaxing weekend on Lake Ten Killer, you shouldn't have to worry about your coverage.

Get the Boat insurance that goes beyond standard. Something that gives you the options you want, all in one package.

Boat insurance packages

Farmers offers a variety of industry-leading Boat insurance packages, to give you more choices and more options in the simplest way possible. Just pick the marine package that fits your lifestyle and budget, and get the coverage you want all in one.

Marine Choice Elite Package

For those who want the most coverage to protect their boating lifestyle. We’ve taken the “Plus Package” and added Dinghy coverage, Boat Lift and Hoist coverage, Bahamas and Mexico navigation, Tournament Fee reimbursement, Loss Forgiveness, and much more!

Marine Choice Plus Package

The most popular Boat insurance package for a reason! Includes unique features like Agreed Value Settlement, Diminishing Deductible, Hurricane Haul-Out, and more.

Marine Choice Saver Package

Perfect for the price-conscious boater who wants solid coverage at an affordable cost.


Pontoon Package

A lower-cost option for pontoon owners that provides settlement on an Actual Cash Value basis (the value of your pontoon, less any depreciation over time). Pontoon Elite Package is also available for those who want to make sure they have the best coverage for their pontoon. This includes many of the same features in our Marine Choice Elite package.

Classic Package

For older boats that need essential coverages at a great price.

Classic Elite Package is also available for the proud, vintage boat owner. Built for anyone with a 26+ year old historic, collector or antique boat, who wants added coverage and benefits.


Performance Package

For boats that were built to go fast, but may not need extra coverages and features. Performance Elite Package is also available and provides added coverages like Boat Lift and Hoist coverage, Trip Interruption (coverage for lodging, meals, transportation, etc.), Bahamas navigation and more.


Personal Watercraft Package

All types of personal watercraft can benefit from this package! It has several optional coverages to make sure everything is insured at a great price.

Farmers is a Smart Choice for Recreational Insurance

  • Extensive Recreational and Specialty insurance options

  • Knowledgeable insurance agents in your neighborhood

  • Save with multi-line discounts

  • 24x7 Claim Services

Farmers is an industry leader in Specialty insurance products. We've spent the last 60 years getting to know the outdoor enthusiast. We understand the special insurance coverage you are looking for your recreational vehicles.

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