So Here’s What I Found Out About Watercraft Insurance

Honestly, owning a boat ain’t just fun & games. It’s freedom, yeah—but also risk, lots of it. I learned that after a buddy of mine had his jet ski wrecked in a storm and insurance? Yeah. He didn’t have it. Total loss.

Now, me? I ain’t making that mistake. So I looked into InsureDirect Watercraft Insurance, and man, they kinda got it figured out.

Boats Break, Stuff Happens—You’ll Want Protection

Ever been out on the water, minding your own, and suddenly? WHAM. You hit something under the surface. Stuff happens. Nature don’t care if your boat was new or borrowed or 15 years old with duct tape on the throttle. It sinks the same.

Insurance steps in when life laughs at your plans.

What’s It Even Cover? (More Than I Thought)

InsureDirect don’t play games when it comes to coverage. I dug through the policy options. Here’s the basics—but trust me, there’s more.

• Damage stuff: Crashes, storms, vandals with nothing better to do, fires, you name it.

• Liability: Hit another boater? Or, like, bumped a dock? They’ll help cover those costs.

• Medical: Got hurt? Passengers too? Covered. Unless you lied on your application—don’t do that.

• Uninsured Boater: Other guy didn’t have coverage? Yours steps up. No joke.

• Towing: Boat dies mid-lake, they’ll drag you back. You ain’t floating for hours.

Weird thing: they even cover the trailer if you want it. And some gadgets. That’s bonus points.

All Sorts of Boats Qualify, Not Just Fancy Yachts

Okay, I thought maybe they only did luxury cruisers or yachts with bars in the cabin. Nope.

They’ll insure:

• Jet Skis (thank god, I got two)

• Pontoon party boats

• Fishing setups with outboards

• Sailboats

• Bass boats

• Tiny aluminum tin cans (I swear they do)

Pretty much if it floats and goes, they got you.

Some Add-Ons Felt Fancy but Legit Useful

I usually ignore “optional coverage” stuff. But here? A few extras lowkey make sense.

• Coverage for rods, reels, tackle (if fishin’s your thing)

• Hurricane haul-out! Like they’ll help pay to get your boat OUT before a storm hits

• Personal item coverage… my buddy dropped his phone overboard last summer—yeah

• Salvage & wreck removal: costly if you don’t got that

• Trailer protection if some idiot rear-ends you

Wild how much stuff can go wrong, right?

Why I Picked InsureDirect Instead of That Other Place

I’ll be straight—comparison shop all you want, but here’s why I went with InsureDirect:

1. Online quote was fast af.

2. Rates weren’t stupid. I expected high prices, got fair ones.

3. Support folks actually knew boat stuff. Not reading scripts.

4. They cover all states. Even my weird inland marina.

5. Claim process doesn’t require 14 phone calls. Or at least, they say so—I haven’t had to test it (yet).

Honestly? Felt good to talk to someone who got it. You ever call a place and the rep doesn’t even know what a propeller is? Not here.

Want It Cheaper? You Got Options

Premiums can sneak up on you. Here’s how I trimmed mine:

• I took a boating safety course. It’s easy.

• Installed a kill-switch & GPS tracker on my boat.

• Stored it off-season in a friend’s garage. They count that.

• I bundled it with my auto policy—saved more than I expected.

Didn’t think insurance rewards good behavior, but hey—they kinda do.

Getting Started Ain’t Rocket Science

I was dreading paperwork, forms, all that junk. But nope.

Here’s literally all I did:

1. Went to InsureDirect.com

2. Typed in stuff about my boat (length, engine size, storage location)

3. Picked my coverages

4. Got a quote in like… 3 mins?

5. Paid online & printed the policy

It’s 2025. If you can’t buy boat insurance in pajamas, what’s the point?

Final Bit: Don’t Wait Till It’s Too Late

If you’re reading this and thinking, “I’ll do it next week,” nah. Next week might be too late. Boat could sink tomorrow, who knows?

InsureDirect got me covered, and they can do it for you too. Accidents don’t schedule appointments.