Boat Owners Insurance

RF&G Insurance has been insuring boats of all sizes for many years. Whether your boat is used as a part of your everyday life, or just a part of your weekend enjoyment, it deserves to be protected with an insurance policy that can be counted on. Our full hull coverage option will protect your boat from a variety of perils including:

  • Your boat getting stranded or runs into a submerged object
  • Damage from a windstorm
  • You collide with another vessel, pier or other structure
  • Your boat catches fire
  • There's an explosion
  • Your boat is the victim of vandalism or malicious mischief
  • There's damage to your boat when it is transported – regardless of distance
  • There's damage from loading or hauling
  • Piracy or forcible theft occurs

We also offer a range of third party liability options designed to protect you from damage caused to others arising from your use of the boat. These options include:

Option 1 $75,000 any one occurrence in all for the period in respect to property damage
$50,000 any one person/$300,000 in all for the period in respect to bodily injury
Option 2 $2,000,000 any one occurrence and in all for the period
$75,000 any one person in respect of bodily injury/illness
$10,000 any one passenger in respect of personal effects
Option 3 $1,000,000 any one occurrence and in all for the annual period
$50,000 any one person in respect of bodily injury/illness
$5,000 any one passenger in respect of personal effects

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