Boat & Yacht

AquaPac Insurance Program

Aqua Pac Logo

Our exclusive AquaPac Insurance Program provides broad, affordable coverage that accommodates the full spectrum of boats, from personal watercraft to large sail and power yachts. Every AquaPac policy is written to meet each boater’s needs, and exceeds programs available from most standard and specialty marine insurance providers.


Agreed Value Protection

Automatically included on the majority of boats. Customized coverages available.

Optional Total Loss Replacement Cost Coverage

A boat is a major investment. That's why we offer Total Loss Replacement. Cost Coverage that pays the maximum value for the boat (in a total loss). Not the depreciated market value like other programs. If they suffer a total boat or trailer loss, we'll buy them a new one and replace all of the insured equipment.

Protection & Indemnity

More than just “watercraft liability” coverage. Includes coverage for Wreck Removal, Legal Defense, Non-Owned vessels, and Longshoremen/Harborworkers.

Contaminant Spill / Pollution Liability

Maximum limits included for covered pollution spills from a boat/yacht.

Superior Personal Effects

Generous coverage included on each policy and available at levels to fit the owner's needs. Coverage is primary, so no need to file claims on a homeowner’s policy.

Medical Payments

For owners and their passengers.

Disappearing Deductible

Reduced by 25% for each claims free policy year, until it is zero.

Emergency Service & Towing

On the water, or off. Includes on the road protection for trailer breakdowns.

Uninsured/Underinsured Boaters

Coverage when others are at fault and don’t have insurance, or don’t have enough to cover injuries. 

Coverage for Named Storm Haul-OutRental ReimbursementRepair Guarantee. Included on Yachts; optional for smaller vessels.

Endorsements available for Charter Vessels, injury protection for Captains and Crew, generous Navigation Limits, and more.