The Allstate Boatowners Insurance
Policy Made Simple
Helping to Protect You and Your Toys!
Insurance options may vary from those described in these materials in DC, DE, HI, ME, MT, ND, NH, NM, NV, RI, SD, VT, WV and WY.
43% of American boat owners are currently uninsured.1
If you’re in an accident with one of these boaters, chances are they might not be able to cover the
cost of damages to your boat or the cost of your medical bills.
68% of reported boating accidents result in injuries.2
Many consumers assume that their Homeowners insurance covers boats stolen
or damaged on their property.
Most homeowners insurance policies apply many limitations and restrictions to coverage of
Most homeowners insurance policies do not offer liability coverage or property damage protection
when the boat is used off of the customers property.
The Other Person:
Watercraft Liability Coverage
You and Your Family:
Watercraft Medical Payments
Uninsured Watercraft Coverage*
Emergency Services Coverage*
Coverage for your property
Repair Cost Option** Coveragesare offered as stand alone or part of a package of coverage options.
The Allstate Boat Policy
There are three key coverages
offered with an Allstate boat policy
The Other Person
Protection from paying medical expenses, loss
of income, and funeral expenses of other
people if you’re at fault in an accident.
Protection from paying for repair or
replacement of another person’s boat or
On an Allstate Boatowners policy, liability
coverage extends to:
Any resident in your home
Anyone you give permission to use your
You and Your Family
Watercraft Medical Payments coverage can help pay for
your injuries from an accident.
If you’re injured in a boating accident, Allstate can help pay for
related medical services you receive within three years of the
Covered expenses may include hospital bills, surgeries, x-rays,
dental expenses, pharmaceuticals, nursing services and more.
Property coverage for your boat can help pay for damage to
your boat, boating equipment and personal effects:
If you are in an accident with another boat or something else (i.e., a
pier, buoy, dock or debris, or if someone hits your docked boat.)
If your boat is damaged or lost by something other than a collision,
such as theft, fire, vandalism, or windstorm.
Packaged Coverage Options
The Premier Package includes:
Repair Cost Option -
replacement cost for partial
Emergency Services up to
$1,000 $3000 available in select states
The Premier Plus Package includes:
Same features as the Premier Package, plus:
Agreed Value claims settlement option for Total
Boat must be 10 years old or less
3 year term, after which boat can maintain Premier package
Policies with multiple boats will be required to maintain a package on all eligible boats.
•Insure your car(s) and/or Home with Allstate and get a discount.
•Have you taken a boating safety course? You may be eligible for a discount!
•Have your insurance premium payment directly withdrawn from your bank account.
•Pay your annual insurance premium all at once and you may qualify for a discount!
•Even if you don’t insure your home with Allstate, if you own it you may be eligible for a discount.
• Sign up for your boat insurance policy at least 7 days before it takes effect and you may get a discount.
• Does your boat have a diesel engine? It may qualify for a discount.
Automatic Fire Extinguisher System
• Does your boat have an automatic fire extinguisher system? It may qualify for a discount.
New Boat (Diminishing over 5 years)
• If your boat is 5 years old or less, it may qualify for a discount.
– You may qualify for the Organization Discount if you are a member of a certified organization which promotes