Pontoons, houseboats, center consoles, express cruisers, motor yachts, and more — size is what defines this class.
In the marine insurance world, the 27-foot threshold is more than just a number — it marks the point where a vessel’s complexity, value, and exposure grow significantly. A 30-foot houseboat, a 35-foot pontoon, a 40-foot center console — each of these falls into the yacht category, and each demands a more comprehensive approach to coverage. Our team works with premier marine markets that specialize in larger vessels, giving you access to broader protection, higher coverage limits, and policy features designed for the realities of owning and operating a boat of this size.
Coverages Available
Available coverages for yachts over 27′ include:
Agreed Value
Full insured value paid at total loss with zero depreciation — the standard for vessels of this size.
Hull & Machinery
Comprehensive physical damage coverage including the vessel, engines, and all permanently installed equipment.
Protection & Indemnity (P&I)
Broad liability coverage for bodily injury, property damage, wreck removal, and crew-related claims.
Medical Payments
Covers medical expenses for owners, guests, and passengers injured aboard.
Uninsured/Underinsured Boater
Protects you against losses caused by boaters with inadequate or no insurance.
Personal Effects & Valuables
Coverage for clothing, electronics, jewelry, and other personal items brought aboard.
Fuel Spill Liability
Covers accidental pollution discharge costs and third-party liability.
Commercial Towing & Salvage
Emergency towing, salvage assistance, and wreck removal — critical at this vessel size.
Windstorm Coverage
Covers storm-driven wind damage, a key risk for larger vessels exposed to open water.
Hurricane Haulout & Storage
Reimburses documented haul-out and secure storage costs when a named storm is declared.
Ice & Freeze Coverage
Protection against freeze-related damage during winter lay-up or unexpected cold weather events.
Mechanical Breakdown
Covers repair or replacement of mechanical systems that fail due to a covered breakdown event.
Total Engine Failure Protection
Coverage for catastrophic engine failure, including internal mechanical damage.
Navigational Territory
Flexible navigation limits covering coastal, offshore, Great Lakes, Caribbean, and beyond.
Liveaboard Coverage
Special provisions for owners who live aboard their vessel full or part time.
Tender & Dinghy Coverage
Extends hull and liability coverage to your dinghy, runabout, or jet ski tender.
On-Water Liability Extension
Higher liability limits available for large vessels with greater exposure on busy waterways.
Disappearing Deductible
Deductible reduces each claim-free year, rewarding responsible boat ownership.
Trailer Coverage
Available for vessels trailerable within this size class.
Storage & Layup Credit
Premium credits for defined off-season storage periods.
Yacht Delivery & Crew Coverage
Coverage while your vessel is being delivered by a hired captain or professional crew.