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Not all boats are equal and they require different kinds of insurance coverage. Which is why we tailor your boat insurance policy to fit your individual needs to ensure you enjoy peace of mind as you navigate your boat or personal watercraft.

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The clear advantage

CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.

Is boat insurance required?

Boat insurance is required in only a few states but, if you’re financing your watercraft, you’re typically required by your lender to carry comprehensive and collision coverage. Additionally, if you dock your boat, your marina may require you to show proof of liability coverage.

Boat policies can provide coverage for:

Your boat:

  • Damage to your boat including hull, sails, equipment, and more.
  • New boat replacement
  • Fuel spill liability
  • Personal effects
  • Consequential damage
  • Ice and freezing damage
  • Liability to pay for damages and injuries you cause if you hit another boat, person, dock
  • Medical coverage for you and persons in your boat.
  • Wreckage removal


  • Watercraft liability
  • Pollution liability
  • Medical payments
  • Uninsured boater

Types of boats and personal watercraft (PWC) that can be insured?
  • Personal Watercraft, such as jet skis
  • Motorboat, or powerboats
  • Fishing Boat
  • Pontoon Boat
  • Sailboat
  • Yacht
let US
for you

Above all, we are independent from any insurance company and we work for you, in getting the best products, at the best price and service you will come to expect and can’t do without.

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