Watercraft

Yachts, boats, jet ski, wave runner.

A boat on the ocean

From bass boat to jet skis to yachts, we can cover it all! We customize coverage for your specific needs to give you peace of mind while sailing the high seas. Our AM Best, top rated carriers understand the unique challenges presented to Florida watercraft owners as well as those moored out of state and in international waters. As such, have coverage that can be tailored to each individual watercraft owner.

Our boat and personal watercraft insurance is available for:

  • Yachts
  • Bass Boats and fishing boats
  • Powerboats
  • Center Console
  • Pontoon Boats
  • Jet Skis
  • Wave runners
  • Sailboats
  • Trailers

Some of the coverage options available include:

  • Extended Coastal Navigation Limits
  • Agreed Value Coverage and Total Loss Replacement/Purchase Price coverage
  • Liability and watersports liability
  • Medical Payments
  • Physical Damage Coverage
  • Uninsured/Underinsured Watercraft Bodily Injury
  • Fuel Spill Liability and Wreckage Removal
  • Personal Effects
  • Unattached Equipment Coverage (didn’t know we had this but cool)
  • Emergency Assistance
  • Marine Electronics coverage
  • On water towing
  • Fishing Equipment
  • Named Storm Deductible options
  • Disappearing Deductible options

And don’t forget about the discounts… we love discounts!

  • Captain’s license
  • Favorable driving history (auto & boat)
  • Coast Guard Auxiliary class
  • Original Owner
  • Experience
  • ... and more!

Contact Melissa Ems Insurance Agency for a quote with AM Best rated top carrier such as Progressive, Safeco, Bristol West, Charter, Markel and more.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

Get a Quote

Fill out the form, and we will get back to you ASAP!

Select all of the types of personal insurance you'd like to get a quote for.

If you are already insured, please send a copy of the declarations page(s) for your current coverage (with the two trailing pages), so we can accurately compare what you have with our options and explain the pros and cons of both.

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We won't spam you! Promise.

Thank you! Your submission has been received!
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Get a Quote

Fill out the form, and we will get back to you ASAP!

Select all of the types of personal insurance you'd like to get a quote for.

If you are already insured, please send a copy of the declarations page(s) for your current coverage (with the two trailing pages), so we can accurately compare what you have with our options and explain the pros and cons of both.

Max file size 10MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Max file size 10MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.

We won't spam you! Promise.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.