Boat Insurance with Real Value with RV America Watercraft Insurance Specialists!

On-water towing, 24-hour roadside assistance, and personal belongings replacement. These coverages are included in the policies provided by RV America's companies.. We understand what boat and Jet Ski owners need, and how much you care for your ski boat, fishing boat, or sailboat. We offer specialized red white and blue boat insurance coverage with unlimited boat and trailer towing, total boat loss replacement, boat accessories, and other specialized boat insurance coverages. Our boat insurance policies were specially created for the following: Power Boat, Ski Boat, Sailboat, Fishing Boat, Cabin Cruiser, Bass Boat, Pontoon Boat, and House Boat. Boat Insurance Coverage and More.

Make sure your boat is insured with the best possible boat insurance on the market today. It's a common myth that your watercraft is adequately covered by the same insurance company that insures your auto or home. Your ski boat is a special unit, and it requires specialized boat insurance. In most cases you need additional insurance coverage. Our specialized bass boat and pleasure boat insurance policy is designed to provide the type of coverage you need. We've included a variety of coverage options including increased limits of liability, uninsured watercraft, accessory coverage, watersports liability, on-water towing, unlimited towing and roadside assistance, fuel spill liability, and more. You can obtain an insurance quotation for your jet boat, jet ski, Sea-Doo, or fishing boat with just a few keystrokes. Get your boat insurance quote today.

Your personalized policy may include:

• SPECIALIZED COVERAGES
  We've responded to the needs of our Boat and Personal Watercraft policyholders by offering enhanced coverages. Our coverages, often featuring the highest limits offered in the industry, are more unique, comprehensive and encompass more risks, protecting you 24 hours a day.
   
• AGREED VALUE COVERAGE
  Our EXPANDED Agreed Value Coverage pays the Purchase Price in the event of a total loss regardless of the Actual Cash Value. On partial losses, there is no depreciation except on: outdrive units or outboard motors greater than five years old, batteries, sails, plastic and canvas coverings. For boats two years old or less, the sales receipt will serve as the Rating Base. If a sales receipt is unavailable, the Rating Base may be determined by referring to a BUC or ABOS guide. The Rating Base must be updated every three years by either a new marine survey or by referring to the BUC or ABOS guide. (Coverage Not Available for Personal Watercraft)
   
• TOTAL LOSS REPLACEMENT
  Our UNIQUE Total Loss Replacement Coverage is available on new boats purchased within the preceding 13 months. In the event of a total loss, this coverage replaces the current boat with a new boat that is, to the extent possible, the same make and model, and which contains comparable equipment. If the boat is not available, then a comparable model will be substituted for boats five model years old or less. For boats over five model years old, we will pay the Rating Base. (Coverage not available for personal watercraft.)"
   
• ACTUAL CASH VALUE COVERAGE
  Actual Cash Value is the most economical choice when it comes to insuring a boat or personal watercraft. The Actual Cash Value is determined by the market value, age and condition of the watercraft at the time of the loss. In the event of a total loss, this coverage will pay the lower of the Actual Cash Value or the Rating Base.
   
• DIMINISHING DEDUCTIBLES (Included with Agreed Value & Total Loss Replacement Coverages) Diminishing Deductibles is included at no extra charge with Agreed Value and Total Loss Replacement Coverages. Diminishing Deductibles provides a reduction of twenty-five percent (25%) in Comprehensive and Collision deductibles for each claim-free renewal period. When the fourth consecutive claim-free renewal period is reached, there will be no deductible. Deductibles return to their original amounts when a Comprehensive or Collision claim is paid. Any type of non deductible related claim (e.g., Liability, Roadside Assistance, etc.) does not affect the diminishing deductible level. (Coverage Not Available for Personal Watercraft)
   
• REPLACEMENT COST FISHING EQUIPMENT
  This coverage pays for damage to fishing equipment while on board an insured watercraft or while being carried on or off an insured watercraft. It provides $2,500 coverage, one of the highest limits available in the industry, with a $250 deductible for each loss due to theft and pays up to $250 for damage or loss to any one item, except for electronic equipment for which the maximum limit is $500. (Coverage Not Available for Personal Watercraft)
   
• REPLACEMENT COST PERSONAL EFFECTS
  This coverage pays for loss of, or damage to, personal property while on board an insured watercraft or while being carried on or off an insured watercraft. This coverage is available for all watercraft, including PWC’s. Examples of personal effects include clothes, portable radios, CD players and cameras. The limit for loss to all fishing equipment under this coverage is $300. Additional coverage for fishing equipment may be purchased separately under Replacement Cost Fishing Equipment coverage. Personal effects does not include permanent equipment or portable boating equipment. Coverage is available up to $5,000. There is a $100 deductible for theft.
   
• ROADSIDE ASSISTANCE
  Roadside Assistance coverage provides towing to the nearest qualified repair facility, and necessary labor at the time and place of disablement, when the tow vehicle or watercraft trailer is disabled due to: mechanical or electrical breakdown, dead battery, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand within 100 feet of the roadway. This coverage extends to the tow vehicle, while transporting the watercraft, even if the tow vehicle is insured with another insurance company! This service is ”Sign and Drive,” meaning no out-of-pocket expenses are required; all the policyholder has to do is sign the receipt and they’re back on their way. Immediate roadside assistance can be obtained 24 hours a day, 7 days a week, anywhere in the US or Canada. Roadside Assistance coverage is included with Full Coverage policies for Pleasure Boats and PWC’s with trailers—for no extra premium!
   
• ON WATER TOWING AND EMERGENCY SERVICE
  This coverage provides on-water towing and other emergency services in the event the policyholder’s insured boat becomes disabled while in the water. Available coverage options: $300, $500 or $1,000 per occurrence. No deductible applies. (Coverage Not Available for Personal Watercraft)
   
• MEDICAL PAYMENTS
  This coverage pays for injury to a covered person while in the boat, riding a personal watercraft, or water-skiing. No deductible applies.
   
• UNINSURED BOATERS
  Pays a covered person occupying a boat or personal watercraft for bodily injuries caused by the owner or operator of an uninsured boat or personal watercraft.
   
• FUEL SPILL LIABILITY COVERAGE
  (Included with Liability Coverage) Progressive’s Liability Coverage includes coverage for unintentional oil or fuel spills that result in bodily injury or property damage and that the insured becomes legally responsible for because of an accident arising out of the ownership, maintenance, or use of the insured watercraft. The limit of coverage is based on the liability limits selected by the insured.
   
• WRECKAGE REMOVAL COVERAGE
  (Included with Comprehensive & Collision Coverages) Progressive will pay reasonable costs incurred by the insured for any attempted raising, removal or destruction of the wreckage of an insured watercraft resulting from any loss for which Comprehensive and Collision Coverages are provided. The limit of liability varies based on whether or not the insured is legally required to raise, remove or destroy the watercraft. See policy contract for details.
   
• NAVIGATIONAL AREA
  The policy provides coverage for navigation of all inland lakes, rivers and navigable waterways of the continental US and Canada including ocean water 50 miles or less from the coast of either the US or Canada. It does not include the territory or territorial waters of any country other than the US or Canada.
  
  *These descriptions do not constitute a contract. Your policy is your contract please read it carefully.

For more information on these or other great deals, stop in or contact:

Spicer Sports and Marine
13095 North Highway 23, Spicer, MN  56288
(320) 796-2185