Boat Insurance

You Bet ! …… Make a Wake ! Pleasure Boats, Yachts and Large Vessels

Family Boaters Program

  • Covers boats 26 feet and less in length 

Settlement Options

  • Agreed Value or Actual Cash Value (ACV) hull coverage

Total Loss Settlement Endorsement

  • 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

  • Covers breakdowns while on the water and if the trailer is disabled
  • Up to $5,000 in coverage available

Optional Trailer Coverage

  • Protects the trailer specifically designed to transport the covered vessel
  • Up to $10,000 in coverage available

Optional Personal Property Coverage

  • Wearing apparel
  • Sports and fishing equipment
  • GPS units and fish finders
  • Other personal property while on board or being carried on or off the vessel
  • Replacement Cost is available
  • Personal Property coverage�s will be primary over other forms of insurance 
  • Up to $10,000 in coverage available

Medical Payments

  • Necessary and reasonable
  • Covers the insured and their guests 
  • Covers medical payments within one year of an accident that caused injury
  • Applies while in, upon, boarding or leaving the boat
  • Also covers being pulled on water skis, wake boards or tubes
  • Medical Payments coverage�s will be primary over other forms of insurance

Flexible Deductible Structure

  • Allows the policyholder to choose the flat-dollar hull deductible that best suits them
  • $250, $500, $1,000, $2,500 and $5,000 options regardless of the boat settlement type
  • The deductible will not change as the boat ages 

Pollution Liability Coverage

  • Coverage matches liability limits
  • 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

  • Multi-unit
  • Multi-policy
  • Prior insurance
  • Renewal
  • Boating safety course

Yacht Program 

  •  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