Sailboats represent one of the most diverse and passionate segments of the boating world — from a 19-foot day sailer on a local lake to a 50-foot bluewater cruiser preparing for an offshore passage.
The risks and coverage needs of a sailboat are genuinely different from powerboats: standing rigging, masts, sails, keel groundings, and extended offshore passages all require specialized attention. Our agents understand the sailing life — and we work with carriers who do too, ensuring your coverage is built around the unique demands of sail-powered vessels and the voyages you have planned.
Coverages Available
Available coverages for sailboats include:
Agreed Value
Full insured value at total loss — no depreciation deducted, the right choice for quality vessels.
Hull & Machinery
Covers the hull, keel, rudder, engine, and all permanently installed equipment against covered perils.
Rig Coverage
Specifically covers the mast, boom, standing rigging, running rigging, and associated hardware.
Sail Coverage
Protects sails from damage caused by storms, blowouts, and other covered perils.
Protection & Indemnity (P&I)
Broad liability for injury to crew and guests, property damage, and third-party claims.
Medical Payments
Covers crew and guest medical expenses resulting from on-board accidents.
Uninsured/Underinsured Boater
Protection against losses caused by boaters without adequate coverage.
Personal Effects & Valuables
Coverage for clothing, navigation equipment, electronics, and personal gear aboard.
Fuel Spill Liability
Covers diesel or fuel spill cleanup and associated liability.
Commercial Towing & Salvage
On-water towing, salvage assistance, and emergency services.
Windstorm Coverage
Protection against storm and high-wind damage — a critical coverage for sail-powered vessels.
Hurricane Haulout & Storage
Reimburses haul-out and secure storage costs when a named storm threatens.
Ice & Freeze Coverage
Covers freeze damage during winter layup or unexpected cold weather events.
Mechanical Breakdown
Covers the auxiliary engine and mechanical systems in the event of a covered breakdown.
Total Engine Failure Protection
Covers catastrophic auxiliary engine failure including internal damage.
Offshore & Bluewater Navigation
Extended navigational territory for coastal, offshore, and bluewater passages including ocean crossings.
Racing Coverage
Optional coverage for organized racing events, including damage to spars and rigging during a race.
Liveaboard Coverage
Special provisions for owners who live aboard their sailboat full or part time.
Keel Grounding Coverage
Covers damage resulting from grounding specific to keel-equipped vessels.
Tender & Dinghy Coverage
Extends coverage to your dinghy or inflatable used as a sailboat tender.
Disappearing Deductible
Deductible reduces each claim-free year, rewarding safe seamanship.
Layup & Storage Credit
Premium discounts during defined off-season or storage periods.
Single-Handed or Short-Handed Sailing
Coverage provisions for passages with minimal crew, including solo voyaging.