We understand that boats don’t stay on the water year-round. That’s why our Seasonal & Laid-Up Insurance offers a tailored, cost-efficient solution for you: full protection when your vessel is in use, and smart savings when it’s safely stored.
Seasonal insurance, also called laid-up coverage, is a flexible policy that adapts to your boating habits. It provides full protection during the active season and automatically scales back to essential coverage when the boat is offline—reducing your premium without compromising on safety
Active Season – Your standard insurance is in effect, covering navigation, liabilities, towing, and more.
Lay-Up Period – Once your boat is stored (on land or water), the policy shifts. Navigation and operation coverage is paused, while protection continues for risks like theft, fire, vandalism, weather events, and storage damage.
Premium Savings – Fewer risks equate to lower premiums—a smart, affordable approach
Our seasonal and laid-up policies can be tailored to your exact needs. Common features include:
Protection for stored tools & equipment – Keeps your gear safe while in storage.
Cover for premises – Safeguards against fire, flood, and vandalism damage.
Laid-up vehicle cover – Protects work vans or trailers parked and unused for extended periods.
Flexible policy terms – Activate or adjust coverage based on your working season.
Reduced premiums – Pay only for the protection you need when you need it.
Boat insurance covers your vessel against damage, theft, and liability for accidents on the water.
Complete protection for charter boats, including passenger liability.
Specialized coverage for luxury Sailboat, with options for global navigation.
Cost-effective policies for multiple vessels under one plan.
Enhance your coverage with add-ons like towing assistance, personal accident cover.
All-Risk Boat Insurance provides broad coverage for most types of accidental loss or damage to your boat.
Physical Damage Coverage protects your boat against repair or replacement costs from accidents, storms, theft.
Theft & Vandalism Coverage protects your boat against losses caused by stealing or intentional damage
Speedboat Insurance protects your high-performance vessel against damage, theft, and liability for accidents.
From serene lake cruises to high-speed ocean adventures, we ensure your vessel is covered anywhere you go. Our partnerships with top-rated marine insurance companies mean you get the most reliable protection at the best rates.
Yes, some providers have owners age restrictions for boat insurance, but we work with multiple companies to ensure coverage is available for most age groups.
The cost varies depending on your boat’s value, usage, and location. We can provide a free boat insurance estimate to help you budget.
Yes, Auto Owners Boat Insurance is well-rated for customer service and claims handling, making it a solid choice for many boaters.