Q. What Makes Sea Insure® different from other marine insurance policies?

A. You Do!

As a Sea Tow^® member, you’re already pre-qualified as a smart, safe boater with an appreciation for the utmost in “Peace of Mind on the Water.”™

Now there’s marine insurance that rewards your safety-conscious boating lifestyle with the most comprehensive policy available to boaters. Best of all, it’s available at Sea Tow preferred member rates!

Why Sea Insure®?

Because We’re Boaters
We know what boaters need in an insurance policy because we boat, too! We're sailors and power boaters. We've been captains and crew. We also know, all too well, that things can - and will - go wrong on the water.

Because We’re Experienced
With nearly a quarter of a century of expertise in providing both routine and crisis on-water assistance to the recreational boating community, we know what it takes to service and protect you and your watercraft. We've combined that exp erience with an in-depth knowledge of marine insurance to develop a policy that is truly tailored to your boating needs.

In the event of a loss, when you really must rely on your insurance the most, our claims department will work directly with you to get your claim settled quickly and professionally.

Because We Know What You Need
We know you never want to get caught off guard by unexpected claims costs on, or off, the water. That's why we recommend two specific policy options; agreed value and replacement cost. Both of these options provide the comprehensive coverage that you, as a Sea Tow member, have come
to expect and rely on.

We also know what you don't need. For example, because of your affiliation with Sea Tow, you have the opportunity to replace traditional towing coverage on your insurance policy with a host of key coverage features that best suit your boating lifestyle.

Request a Quote

To request a boat/yacht insurance quote from Sea Insure®, please complete the form click.

About Sea Insure®

Policy Options*

Agreed Value
In the event of a total loss, this coverage option provides for the full agreed-upon value of your vessel without depreciation.

Replacement Cost**
In the event of a total loss, this coverage option provides the cost to replace the lost property with new property.
 

Key Policy Components

Liability Coverage
This is coverage for bodily injury or property damage that results from the use of your watercraft or while operating vessels owned by others.

Medical Payments Coverage
Provides coverage for reasonable and necessary medical expense for you or your passengers, regardless of fault.

Uninsured Boaters Coverage
Provides coverage for any bodily injury you sustain that is caused by another boater who is not insured.

Fuel Spill Liability
Provides up to $800,000 for the containment, clean-up, and property damage resulting from a fuel or oil spill from your watercraft.

Salvage
Your watercraft is covered for salvage charges up to the full agreed hull value of the vessel, in addition to any physical damage sustained (by the boat) during the salvage process.

Personal Property Coverage
Coverage is provided for loss or damage to your belongings while aboard your watercraft.

Additional Features

Legal Defense
Unlike most policies, with Sea Insure® you’re covered over and above your liability limit for legal fees
related to a liability claim.

Electronics Coverage
If you have an electronics claim, you will only be responsible for a $500 deductible, as opposed to the full hull deductible of most other policies.

Scratching, Denting, Ice & Freezing
You are covered for scratching or denting damage to your hull as well as damage from ice and freezing. (commonly excluded from most policies).

Mechanical Breakdown
Unlike most, our policy does not have a mechanical breakdown exclusion.

Charter and Crew Coverage
Qualifying vessels can purchase coverage for up to twenty charters per year. Liability coverage is also available for full or part-time captain and crew.

Marine Environmental Damage Coverage
You are covered for up to $100,000 in damages in the event of a marine environmental claim against you (commonly excluded from most policies).
 

*Both options include Physical Loss or Damage Coverage for your boat, engines, electronics and other equipment, as well as any dinghies or trailers you use with your boat. All risks are covered unless specifically excluded.

**Replacement cost coverage is offered on boats up to 2 years old.

Request a Quote

To request a boat/yacht insurance quote from Sea Insure®, please complete the form click.