Boat and Watercraft Insurance
Agreed value hulls, on water liability and towing for the boats you actually run.
Marine insurance for trucking fleets in 50 states
Personal watercraft and yacht insurance — agreed value, navigational territory, towing assistance, and on-water liability.
Prestige Trucking Insurance places marine coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Agreed value and navigational territory decide the claim
Two boat policies can look identical until there is a total loss. An agreed value hull pays the number written on the policy, while an actual cash value hull pays a depreciated figure an adjuster calculates after the fact.
Navigational territory is the other trap. A policy written for inland lakes will not respond offshore, and coastal cruising ranges, hurricane haul out clauses and lay up periods all need to match how you use the boat.
Hurricane clauses are conditions, not suggestions
Coastal policies often require a named storm haul out plan and may reduce payment if it is not followed. Know the requirement in June, not when a storm is three days out.
855-643-3881What a watercraft policy should address
Agreed value hull
A stated settlement figure for total loss, agreed when the policy is written.
Navigational territory
Defined waters and seasonal limits that must match where you actually cruise.
On water towing
Towing and assistance after a breakdown, which is expensive to pay out of pocket.
Wreck removal and fuel spill
Statutory wreck removal and fuel spill liability, often overlooked until it is owed.
Agreed value versus actual cash value
| Scenario | Agreed value | Actual cash value |
|---|---|---|
| Total loss settlement | The stated policy amount | Depreciated market value |
| Dispute risk | Low, the number is agreed | Higher, valuation is argued |
| Premium | Higher | Lower |
Questions motor carriers ask
Does homeowners insurance cover my boat?
Only small craft at very low limits, if at all. Anything with meaningful horsepower or value needs its own watercraft policy with proper liability limits.
What is navigational territory on a boat policy?
It is the geographic area and season in which coverage applies. Operating outside it can leave a loss uncovered, so the territory must match your real cruising pattern.
Who needs boat insurance?
Owners of powerboats, personal watercraft and yachts, and anyone whose marina or lender requires proof of liability coverage. Call 855-643-3881 for a quote.
Quote My Watercraft
Send the make, year, value and where you keep it and we will bring back terms.
Fleets of three or more power units across the 50 states we are licensed in.
Marine coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending marine limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs marine coverage?
Marine coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
Stop overpaying for side-gig agents.
Get direct access to 100+ A-rated carriers. Real underwriters, guaranteed locked-in rates, and zero surprise rate hikes.
- Guaranteed locked rates
- 24-Hour underwriter quotes
- Zero hidden fees
A licensed specialist, not a call center.
Get My Free Fleet Review