Boat & Watercraft Insurance

Bravely sail away from the harbor.

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What You Get


  • Covered medical payments for someone else’s injuries
  • Covered repair costs for damages to your and other’s property

Why You Need It

  • To secure yourself, your property, your assets, and passengers
  • To secure your financial assets against unexpected events

Boat & Watercraft Insurance


You usually go boating to restore your inner peace or spend quality time with family and friends. Studies show that being near the water can also enhance your physical and mental well-being. As you relax your mind while boating, make sure that you are safe while enjoying the sun and the water.

As of now, boat insurance is required in three states only – Arkansas, Hawaii, and Utah. If you financed your boat through a bank, they might also require you to provide proof of boat insurance. Required or not, this should not stop you from protecting your vessel especially if you want to avoid out-of-pocket expenses.

Boat insurance is similar to auto and home insurance in many aspects. It helps you cover the actual cash value or replacement cost of your property, and pay off expenses related to injuries and damages to someone else. Coverage rates vary due to several factors such as the type of boat, length, number of engines, and horsepower, the purpose of using it, and how and where it’s stored. Here are the common coverage options under this insurance:


  • Liability Coverage can help you pay for medical and repair costs in case you accidentally injure someone or damage their property with your boat. This is commonly called hull insurance.
  • Property Coverage can help you pay for the repair costs if your boat is damaged due to a covered peril.
  • Medical Payments Coverage can help pay medical expenses for you if they are caused by a covered accident.


Apart from these, you can also add other options to help you cover on-water towing, coverage for fishing equipment, mechanical breakdown, ice and freezing, hurricane haul-out, and trailer trip interruption. Enjoy the waterways more by protecting yourself, your passengers, and your vessel with enough coverage on your boat insurance policy.

Other Insurances

Commercial Insurance

Protect your investment and stay in the business even after a loss. We have a variety of options for all businesses.

Home Insurance

Safekeep your place of refuge. Insurance options include property, general liability, and more.

Life Insurance

Protect your family’s peace of mind. Tomorrow is never guaranteed so protect yourself and your loved ones.

Our Customers

I was very lucky to have Mr. Casey Clem as my insurance agent. He was very professional and not aggressive. He did a great job finding a policy that would work for me. He took into consideration all of my wants and needs in finding the right plan. He came to my home and we were personally able to discuss the different types of insurance and were successful in choosing the right one for me. When I had concerns he was very patient and explained things so that I could understand them. I would definitely recommend Mr. Clem to anyone needing to find insurance for themselves or their family.”

Shannon Arnold

“Casey is experienced in helping you find the best policy for your needs. Very professional and really caring for the people he helps. Casey and his team will take great care of you. Highly recommend it.”

Timothy Hamilton

” Casey helped me get a better plan with better coverage! If you need an agent, Casey is a good one!”

Elizabeth Patterson

“Casey helped me get more coverage for less money. He was very knowledgeable about all the options available and helped me pick the right plan. Thanks, Clem Insurance Group!”

Janice Rucks

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