Boat & Watercraft


The Foremost Marine Choice® boat insurance and personal watercraft insurance program means more choices for more people. Our marine packages contain industry-leading coverages and features which cover almost all types of watercraft -- with a package and price point for just about everyone!

  • Watercraft Physical Damage

    Direct, sudden, and accidental coverage for your watercraft.
  • Personal Liability

    Provides coverage for bodily injury and property damage sustained by others for which you are legally responsible.
  • Uninsured Watercraft

    Provides coverage for compensatory damages for bodily injury that the insured is legally entitled to recover from the owner or operator of an uninsured watercraft. This coverage is subject to the policy Limit of Liability, exclusions and policy provisions. loss on your automobile, we will put $50 a day back in your pocket for up to 30 days.
  • Medical Payments.

    Pays the necessary and reasonable medical expenses incurred or medically determined within one year from the date of an accident causing bodily injury to any person while in, upon, boarding or leaving the watercraft. If this and other insurance apply to a loss, this insurance is primary.
  • Towing And Roadside Assistance

    If the watercraft is disabled while afloat or away from safe harbor or the trailer is disabled, we will pay for:
    • The cost of emergency labor performed at the site of disablement; or
    • Towing to the nearest place where needed repairs can be made; or
    • Delivery of gas, oil or battery; however, unless an Elite Package is purchased we do not pay for the cost of the items.
  • Trailer

    Coverage for trailers equipped to transport your boat safely.
  • Personal Property

    Includes wearing apparel, sports equipment, fishing equipment and other personal property owned by any of the insured or their guests while on board or being carried on or off the watercraft. If this and other insurance apply to a loss, this insurance is primary.