Why It's Good to Have a Specialty Policy

Not all Boat Policies are the Same. Items like homes and cars are insured on standardized insurance forms, so for the most part everyone gets the same basic coverage regardless of the carrier. But with boats, there are no standard insurance forms. Each carrier develops their own policy, which results in some policies being very comprehensive, others being very basic, and most being somewhere in between. Plus, some carriers understand boat owners needs better than others. With so many choices out there, it's a good idea to go with a carrier that specializes in boat insurance.

Specialty Policies Protect You against Lots of Things That Can Happen. Sometimes you can cover your boat by adding an endorsement to a policy you already have. But, that coverage is usually pretty basic. To obtain increased coverage limits, as well as coverage options such as uninsured watercraft and emergency towing, you need the protection of a specialty policy.


Boat Coverages

• Physical Damage Coverage. Covers damage to your boat. We provide Agreed Value coverage for boats new to ten years old, Market Value for older boats.
  
  
• Liability Coverage. You can be held liable for injuries that happen to others while you are boating. Our policies provide both liability protection and coverage for bodily injury to family members. We also provide a sub-limit for family members, which means you and your family are protected under our liability coverage.
  
  
• Medical Payments. Pays medical bills resulting from an accident that happens as a result of operating you PWC. Provides protection to policy limits for the policyholder, immediate family members, as well as non-family members involved in the accident.
  
  
• Trailer Coverage. This optional coverage protects the trailer you use to tow your boat.
  
  
• Full Replacement Cost on Parts. If a part on your boat breaks and the part is less than two years old, we'll pay to fully replace the part.
  
  
• Advantage Endorsement. Additional protection at no extra charge. Includes the following coverages:
  • Uninsured Watercraft. Protects you when another boater collides with the boat you are operating and that boater is not properly insured.
  • Non-owned Watercraft Liability. Extends your policy's liability coverage to any boat you operate.
  • Personal Effects Coverage. Protection for personal belongings stored inside the boat that are suddenly lost, stolen or damaged.
  • Emergency Assistance and Towing. Protects you if your boat breaks down on the water; and even if your trailer breaks down while you are taking your boat somewhere.
  
  Want higher limits for the coverages listed above? Ask your agent about our Advantage Plus Endorsement.

The Extras That Make our Policies Special

Atlas offers some nice "extras" you may not find with other carriers:

• No Required Lay-Up Period. Allows you to use your boat for a longer period of time during the year.
  
  
• Coverage during Tournament Participation. We allow you to compete in water-skiiing or fishing contests without excluding coverage.
  
  
• Coverage in U.S. and Canadian Waters. Many policies specify exactly when and where you can use your boat - to the point of naming specific lakes and waterways! With American Modern, you're covered wherever you operate your boat in U.S. and Canadian waters.

Handy Options and Benefits

• Many Deductible Options Available. Talk to an Atlas representative about which one is right for you.
  
  
• Convenient Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in two installments. We also take debit cards, Discover®, MasterCard®, Visa® and American Express®. For more information on any of our payment options, click here.
  
  
• Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Call during business hours, and a customer service representative can take your claim personally. We also have after-hours and weekend service for emergencies!
  
  The availability of and qualifications for deductible and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully

Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.


To Obtain a Quote

If you would like a quote via e-mail or would like one of our agents to call you at a specific time, click here and complete the requested information. If you would like to speak to an agent directly, call 1-800-643-7770 between the hours of 8 AM - 7PM EST and we will be happy to assist you.