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The Water Is Wide . . .
So Is Our Coverage

On lakes, rivers, or the coast, American Modern is a leader in insurance for serious and weekend boaters alike. We insure a wide range of boats up to 64 feet and 70 mph:

  • Powerboats  
  • Sailboats
  • Pontoons  
  • Houseboats
  • Trawlers  
  • Sport-fishers  
  •  Performance

Our program offers broad coverage, understandable policy language, and special benefits that won’t limit where and when you use your boat other than offshore distance restrictions.  


The Essentials

Liability Only. You can be held liable for damaged property or personal injury, to both non-family and family members, if an accident occurs while you are boating.

Comprehensive/Collision. Protects your boat from damage resulting from fire, theft and most other perils, plus adds collision coverage for accidental damage.

U.S., Canadian and Mexican Waters. Other carriers tell you when and where you can use your boat, even naming specific lakes and waterways. With American Modern, you're covered in the waters of the U.S., Canada, and Mexico’s Pacific coast, north of Rio Santo Tomas. Offshore distance restrictions apply.

Medical Payments. Up to $10,000 in medical expense coverage is available for boating injuries.

No Hidden Deductible. What is on the policy is what you pay.

No Required Lay-Up period. Use your boat for a longer period during the year.

Tournament Participation. Our policy doesn’t exclude coverage when you compete in the occasional water-skiing contest, fishing tournament, or sailing regatta.  


The Extras

Customize your coverage with these options.

Watersports Liability. If your family likes to water ski, wakeboard or tube-ride, this option is just for you. Trailer. Protect the trailer you use to tow your boat.

Advantage Endorsement. This endorsement upgrades you to these coverages:

  • Uninsured Watercraft. Add bodily injury protection if another boater collides with the boat you are operating and that boater is not insured.
  • Non-owned Watercraft Liability. Extends your policy's liability coverage to most boats you rent or borrow.
  • Personal Effects Coverage. Covers personal belongings stored inside the boat that are lost, stolen or damaged.
  • Emergency Assistance and Towing. Protects you if your boat breaks down on the water, or if your trailer breaks down during transport.
  • Need higher limits for any of these coverages? Ask your agent about our optional Advantage Plus Endorsement.

Tenders/Dinghies. Large boat owners know how important it is to have coverage for these supplemental boats.

Partial Loss Replacement Cost on Parts. If a part on your boat is damaged, and the part is less than two years old, we'll pay to replace the part. Our

Extended Partial Loss Coverage replaces parts up to five years old.  


The Discounts

Built-in discounts and credits help you save money:

Ownership Experience Credit. If you have owned a boat for at least three years, we give you credit for that knowledge and experience.

Diesel Fuel. Diesel engines are durable and safe, so we reward you for owning one.

Claim Free Renewals. Earn a discount on your renewal if you are claim free through your policy term.  

Transfer Discounts. Moving your current or recent policy to us can save you up to 15% (available in most states). To make your life a bit easier, we also offer:

Multiple Deductible Options. Talk to your agent to determine the best deductible choice for your circumstances.

Convenient Payment Options. We are happy to take your check or major credit card. For some products our electronic funds transfer (EFT) service deducts your payments from your checking account. For your options see the Payment Options page or ask your agent.  

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