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Non-motorized Boat Insurance
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Non-Motorized Boat Insurance

You use your non-motorized boat for recreation, and you use it to get work done on the water. Whether you use your rowboat to get to and from your yacht at its mooring or you’re out on your inflatable raft catching some rays, you know that they’re investments worth protecting. Non-motorized boat insurance is coverage for your dinghy, tender, rib or rowboat and helps to protect you in the event of a covered loss from property damage, physical damage. And it comes with bodily injury and medical expense coverage, too.

What Types of Boats Are Covered by Non-motorized Boat Insurance?

American Family Insurance wants to make sure you’re protecting your property with the right coverage. And we offer protection for a wide array of non-motorized boats:

  • Kayak
  • Canoe
  • Dinghy
  • Amphibious rigid inflatable boat (RIB)
  • Sailboard
  • Tender
  • Inflatable raft
  • Paddle boat
  • Row boat
  • Stand up paddleboard (SUP)

Non-Motorized Boat Insurance Coverages

Leisurely cruising in your non-motorized boat still exposes you to the unexpected, so it pays to be proactive about your protection. And when it comes to a boat you keep near your dock, like your dinghy or tender, you want to make sure you’re properly protecting it from storms and other damage.

Cover yourself from potential damage with our coverages like physical damage, bodily injury and property damage liability and medical expense coverage. Here are a few more coverages you may want to consider:

Personal effects coverage

If you’re bringing accessories on your kayak or canoe cruise, you never know what could happen. We offer coverage that helps reimburse you for things like your fishing rods and reels, and even personal property like your eye glasses, clothing, cameras and portable electronics. This means if we cannot repair your damaged items, we will help cover the cost for new ones or a similar model.

If you have a homeowners policy or renters insurance, you’ll be covered up to $1,500 for property damage on your non-motorized boat. This coverage picks up where those insurance policies leave off.


Non-Motorized Boat Insurance Frequently Asked Questions

You may not be required by law to have coverage for your non-motorized boat, but it’s a good idea to have insurance for anything out on the water.

You’ve got questions on non-motorized boats — and we’ve got the answers!

  1. Even small boats can cause property damage — accidents with larger watercraft can result in costly repairs and injuries requiring medical attention. You’ll need a policy that offers broad-spectrum coverage and protects you thoroughly.

  2. Coverage costs for non-motorized boats are developed in much the same way auto coverage is built. Typical coverage for your non-motorized boat starts around $100 annually. Your agent will consider the year, make and model of your boat, the zip code, and your credit history. What results is a premium that reflects these and other key factors.

  3. If your non-motorized boat floats, we can probably insure it. Kayaks included!

  4. Your homeowners coverage can extend to personal property similar to a kayak, but there are limits to that coverage. With a non-motorized boat policy in place, you’ll find more peace of mind because it contains a much wider range of coverages that better protect your boat.

  5. Although you may not be required to have insurance for your canoe, it is a good idea. If your canoe accidentally damages someone’s boat or personal property, your finances can be protected with this insurance in a covered loss.

  6. Coverage for kayaks is not mandated by states, but it’s important insurance because kayaking may be technically complicated. In the rapids, your kayak can get pretty beat up — and you can too. Coverage for your kayak makes a big difference if the unexpected happens. Multi-person kayaks and shared kayaks may also present liability concerns when others are using your boat. And the good news: these issues can easily be managed. Added liability coverage for a non-motorized boat starts around $9 per month.

Non-Motorized Boat Insurance Limitations

If your non-motorized boat meets any of the restrictions below, they will not be covered under your homeowners policy, and you’ll want to make sure they’re protected with a boat insurance policy.

  • Outboard motor can be no more than 50HP
  • Inboard motor can be no more than 50HP
  • Non-motorized sailboats can be no longer than 26 feet

Connect with your American Family Insurance agent to get the best coverage for all your water adventures.