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United Marine
Boater's Assistance
Program

Most Other Companies

Consequential Loss

YES
Provides coverage to your boat resulting from burning, sinking, or collision even if the cause of loss is excluded.


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NO
If your boat burns, sinks or is in a collision and the cause of loss is excluded (deterioration) your entire loss is excluded.

Trip Interruption – Rental Reimbursement

YES
We will reimburse you for rental watercraft and the cost of lodging, meals and transportation.

NO

$25,000 Supplemental Family Members

YES
An additional $25,000 for payments not covered by any major medical policy. This coverage is in addition to the medical payments limit you select with your policy.

NO

12 Months Navigation

YES
For all boats and yachts we provide 12 months navigation while allowing for the normal lay-up credit in your area without adding a restriction to when the boat can be navigated on the policy.

NO
Restricts larger boats with lay-up warranties afloat or ashore. Boats can not be ready for use and there can be issues if you stay on the boat overnight during lay-up.

Lower Electronics Deductible

YES
Your electronics are subject to a $250 deductible vs the deductible on the boat which can be considerably higher.

NO

Fuel Spill-Pollution

YES
We provide a separate limit for your legal liability of $854,400 for an accidental full spill. This is a separate limit, not included in your liability limit.

NO
No coverage or the coverage is included in your liability limit.

Haul Out For Named Storm

YES
We share expense of you removing the boat from the water in the event of a named storm.

NO

Wreck Removal

YES

NO

Road Assistance-On Water Towing

YES
Our Towing and Emergency Services applies to both road and water and is included at no additional cost with limits that are higher than most other companies. Also our coverage is Per Occurrence vs per policy period.

NO

Coverage Included At No Additional Cost


* Includes personal effects coverage for fishing gear and other personal property.

* Includes towing and emergency services coverage.

* Includes medical payments.

* Lower electronics deductible.

* Named storm haul out coverage.

* Occasional Paid Captain-Crew.

* Fuel Spill $854,000

* Trip Interruption Coverage.


Requires that coverage or limits be endorsed at additional premium