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Get insured and get out on the water.

See how easy it is to protect your boats and watercrafts at a price that's right for you.

A man cruising a boat out on a lake

IZC, Your Trusted Insurance Advisor

IZC Insurance Agency specializes in personal insurance placements including boat and watercraft insurance. Licensed in all 50 states, IZC is ready to help you compare multiple insurance options and find the best policy that is right for you.

IZC can help you bundle your other insurance needs to find more options for your boat or watercraft insurance or get you a standalone policy to protect your vessel and get you on the water.


What Does Boat Insurance Cover?

Boat or watercraft insurance varies depending on your vessel and the waters it navigates. IZC experts are ready to help you find the right coverage, some of which are listed below.

Liability coverage

This covers bodily injury and property damage that you may cause to others while operating your boat. It helps protect you financially if you're at fault in an accident and are held responsible for damages or injuries.

Physical damage coverage

This covers damage to your boat resulting from a collision, theft, fire, or other covered events. It helps pay for repairs or replacement of your boat.

Uninsured/underinsured boater coverage

This provides coverage if you're involved in an accident with a boater who doesn't have insurance or has insufficient insurance to cover your damages.

Medical payments coverage

This covers medical expenses for you and your passengers if injured in an accident while operating your boat, regardless of fault.

Personal effects coverage

This covers loss or damage to personal items on board your boat, such as fishing equipment, clothing, or electronic devices.

Towing and assistance coverage

This covers the cost of emergency towing, fuel delivery, or other assistance needed while boating.

It's important to review your boat insurance policy and discuss with your insurance provider to fully understand the specific coverage and limits of your policy, as they can vary depending on the insurance company and state regulations. Additional coverages or endorsements may also be available, such as coverage for pollution liability, wreck removal, or hurricane haul-out. Partner with IZC to take the guess work out of your insurance placement and get out on the water today!

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