Liability Coverage
Covers injury and property damage you cause to others while operating your boat.
Protect Your Boat, Your Adventures, and Your Peace of Mind
From fishing trips to weekend cruises, safeguard your watercraft with tailored insurance solutions
We serve families & businesses in
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Protecting your life and future
Protect What Drives You, From the Car to the People Inside.
Whether exploring, One Point Insurance has you covered.
What We Insure: From Classic Cars to Off-Road Adventures
Why Boat & Watercraft Insurance Matters
Owning a boat is freedom, but it also comes with risks. Accidents on the water, sudden storms, theft, or even damage while towing can cost thousands. Without proper insurance, you’re left paying out of pocket for repairs, medical bills, or liability claims if someone gets hurt. Boat and watercraft insurance gives you peace of mind, covering your vessel, your passengers, and your financial security so you can focus on enjoying the open water.
Coverage Options
What does Snowmobile Insurance cover?
Essential protections and tailored add-ons for boaters and watercraft owners.
Medical Payments Coverage
Helps pay medical expenses for you and your passengers, regardless of fault.
Uninsured / Underinsured Boater
Protects you if another boater is at fault and lacks sufficient insurance.
Physical Damage (Hull & Machinery)
Pays to repair or replace your watercraft after a covered loss.
Personal Property Coverage
Protects onboard items such as electronics, life vests, and supplies.
Towing & Assistance
Covers towing, fuel delivery, and on-water breakdown help.
Agreed Value vs. Actual Cash Value
Choose how your payout is determined after a total loss.
Total Loss Replacement
Pays for a brand-new boat if yours is totaled in a covered loss.
Trailer Coverage
Protects the trailer you use to transport your boat against covered losses.
Roadside Assistance
Helps with towing or roadside issues when transporting your boat.
Fishing Equipment Coverage
Protects rods, tackle, and other gear from theft or damage.
Personal Effects Coverage
Covers personal belongings like clothing, phones, and bags on board.
Emergency Services Coverage
Helps pay for search, rescue, or emergency response costs.
Navigation Extension
Extends coverage to waters outside your standard navigation area.
Winterization & Lay-Up Coverage
Adjusts coverage while your boat is stored during the off-season.
Pet Injury Coverage
Helps with vet bills if your pet is injured in a boating accident.
Auto Insurance Coverages
Liability Insurance
The Legal Foundation of Every Policy
- Covers injuries and property damage you cause to others in an accident where you’re at fault.
- Pays for medical expenses, vehicle repairs, and legal fees if you’re sued.
- Does not cover your own injuries or your car’s damages.
- Required by law in most states to drive legally.
- We recommend limits high enough to protect your assets and future earnings.
Collision Coverage
Protecting Your Own Vehicle
- Pays for damage to your car if you hit another vehicle or object, regardless of fault.
- Covers accidents with cars, poles, fences, guardrails, and more.
- Helps get your car repaired or replaced quickly.
- Often required if you finance or lease your vehicle.
- Comes with a deductible you choose — higher deductibles mean lower premiums.
Comprehensive Insurance
The Unexpected Safety Net
- Protects your vehicle from non-collision events like theft, fire, vandalism, or weather damage.
- Covers incidents like hailstorms, floods, falling trees, or hitting an animal.
- Helps pay for repairs or replacement if your car is totaled.
- Required by lenders for financed or leased cars.
- Pairs well with collision coverage for full vehicle protection.
Uninsured & Underinsured Motorist (UM/UIM)
Shielding You from Risky Drivers
- Covers your expenses if you’re hit by a driver with no insurance or not enough insurance.
- Pays for medical bills, lost wages, and sometimes vehicle damage.
- Protects you in hit-and-run accidents.
- Essential in states with high rates of uninsured drivers.
- Helps avoid financial hardship from someone else’s irresponsibility.
Medical Payments (MedPay) / PIP
Healing Without the Hassle
- Covers medical expenses for you and your passengers, regardless of fault.
- PIP may also cover lost wages, rehabilitation, and essential services.
- Helps avoid out-of-pocket costs after an accident.
- Available in most states; PIP is required in “no-fault” states.
- Provides peace of mind knowing treatment costs are handled quickly.
Roadside Assistance
Peace of Mind on Every Journey
- Provides help if your vehicle breaks down or you’re stranded.
- Includes towing, battery jump-starts, fuel delivery, tire changes, and lockout service.
- Covers emergencies 24/7, anywhere in the covered area.
- Costs far less than paying out-of-pocket for each service.
- Great for long drives, road trips, and daily commuters.
Rental Reimbursement
Stay Mobile After a Claim
- Covers the cost of a rental car while yours is being repaired after a covered accident.
- Helps you stay mobile for work, school, or errands.
- Usually pays a set daily limit for rental costs.
- Available for both at-fault and not-at-fault claims (when covered).
- Ensures you’re not left without transportation.
Gap Insurance
Covering the "In‑Between" on New Cars
- Pays the difference between your car’s value and what you owe on your loan or lease.
- Vital if your vehicle is totaled and you owe more than it’s worth.
- Prevents you from being stuck with a loan for a car you can’t drive.
- Often required for leased vehicles.
- Usually inexpensive but saves thousands in the right situation.
OEM Parts Coverage
Original Parts for Better Repairs
- Ensures your vehicle is repaired with Original Equipment Manufacturer parts.
- Maintains your car’s safety, performance, and resale value.
- Prevents the use of cheaper aftermarket parts.
- Especially important for newer or luxury vehicles.
- Helps keep your car as close to factory condition as possible.
Custom Equipment Coverage
Protecting Add‑Ons and Upgrades
- Protects aftermarket and custom parts added to your vehicle that aren’t covered by standard policies.
- Includes rims, sound systems, lift kits, custom paint, performance upgrades, and specialty lighting.
- Pays for repair or replacement if custom parts are stolen or damaged in a covered event.
- Ideal for car enthusiasts, off-road vehicles, or work trucks with specialized gear.
- Keeps your investment in upgrades protected without risking out-of-pocket loss.
Why captains secure coverage before they set sail.
Liability Protection
Coverage if you’re found at fault for injuries or property damage on the water, protect your savings and your skipper status.
Weather & Nature
From sudden squalls to submerged hazards, coverage helps pay for storm, wind, and debris-related damage.
Theft & Damage
Helps cover stolen gear, vandalism, collisions, and more, so a bad day doesn’t become a budget sinkhole.
Peace of Mind
Cruise confidently knowing your passengers and investment are protected, you handle the helm; we handle the what-ifs.