Marine Insurance

Yacht and Boat Insurance Product

Great Yacht and Boat Insurance for the client who expects the best.
Sun Coast Team
February 25, 2019

Sun Coast General has excellent boat and yacht insurance products for your agency.  

If you sell any boat and haven't quoted Sun Coast General you may be missing this great value.

Your clients weren't able to purchase their yacht by accident or with luck.

No, they got there on hard work, smart choices, and good investments.

When you make a decision to place their boat or yacht insurance, choose Sun Coast General.

We have the products and experience to protect your clients assets at the best possible value.

Get your clients more coverage and value for their premium dollar.

Sun Coast General yacht insurance products offers more inclusive coverage with a basic yachting insurance policy, so your clients get more.

  • No Maximum Length or Hull Value
  • Agreed Value Hull Coverage for total losses with Replacement Cost provided for most partial losses
  • Wreck Removal with Hull coverage
  • Tender coverage with $500 deductible
  • Medical Payments $10,000 can be included (higher limits available)
  • Personal Effects Coverage $2,500 included (higher limits available)
  • Rental Reimbursement Coverage $1,000 included (higher limits available)
  • Uninsured Boater Coverage equal to the Protection & Indemnity limit, up to $2,000,000
  • Aggregate for Extra Windstorm Expense $1,000 included
  • Emergency Towing and Assistance $750 can be included (higher limits available)
  • Pollution Liability Coverage
  • Longshore and Harbor Workers Compensation
  • Jones Act Protection for injured crew members
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Marine Insurance
Written by
Sun Coast Team
February 25, 2019
Co-written by multiple experts within the Sun Coast editorial team.
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Got questions about Boat and Yacht Insurance?

We have answers for you on all things insurance.
What’s the difference between boat insurance and yacht insurance?
While both provide essential coverage for watercraft, yacht insurance typically includes broader protections due to the vessel’s size, value, and operational complexity. Yacht policies often cover higher hull values and extended navigation zones, whereas boat insurance tends to be more basic and recreational-focused.
Are yacht accessories and equipment covered?
Coverage can include tenders (with a $500 deductible), $2,500 in personal effects (with higher limits available), and emergency towing and assistance up to $750 (also with higher limits).
Is rental reimbursement available if the yacht becomes unusable?
Policies include $1,000 in rental reimbursement, which can be increased depending on your client’s needs.
Does this policy include pollution liability?
Pollution liability coverage is available to address fuel spills or other environmentally hazardous incidents—a critical feature for large vessels.
Is boat or yacht insurance required by law?
In many states, boat and yacht insurance is not legally required to operate a vessel. However, marinas, lenders, or state boating regulations may require proof of insurance—especially for larger or high-value vessels. Even when not required, carrying insurance is strongly recommended to protect against theft, damage, liability, and accidents.
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Disclaimer: The information provided above is for general educational purposes only and is not intended to serve as a substitute for professional insurance advice. It does not describe any specific insurance policy, nor does it alter any terms, conditions, exclusions, or limitations of any actual policy. Coverage options and availability vary by insurer and by state, and may not be available in all areas. For a full understanding of any coverage, please review the actual policy documents or speak with a licensed insurance representative. Whether a claim or incident is covered will depend on the specific terms of the policy in question. Any references to average premiums, deductibles, or coverage costs are for illustrative purposes only and may not reflect your unique situation. Sun Coast is not responsible for the content of any external websites linked within this blog.

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