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Prestige Watercraft®
The Prestige Watercraft policy from Fireman's Fund is at the helm with liability limits up to $1 million - higher than most other insurers offer.

Because we include ValueLock® coverage, we agree up front to your boat's current market value, then lock in that amount for a full year. The amount you receive is never in question, saving you as much as 10-15% in deprecation (includes personal watercraft, such as Jet Skis® and Wave Runners®).

Ours is the finest coverage afloat. Unlike most policies, Prestige Watercraft automatically includes coverage for trailers up to $5,000.00.

If your watercraft breaks down, we'll pay to get you shipshape. (Includes up to $1,500 to tow and transport your watercraft for repairs, as well as emergency funds up to $1,500 for lodging and meals if it breaks down away from home.) And when you insure your home and auto with us, you may qualify for a 5% premium discount on Prestige Watercraft.

Prestige Watercraft
Coverage Competitors Prestige Watercraft
Extended navigational limits option to cover beyond 50 miles from the U.S. coast. Rarely. Yes, with consent and slight premium adjustment.
Loss assessment protection on slips or docks owned to pay for insured's share of a covered loss. No. Yes, up to $5,000.
Coverage for trailers Sometimes. Charges based on value of trailer. Yes, up to $5,000 - leads industry.
Emergency towing expense Sometimes. Zero to $500 (higher limits cost more). Yes, up to $1,500.
Emergency living expenses for lodging and meals due to repairs of a covered loss. Sometimes. Zero to $500 Yes, up to $1,000.
Joint ownership option Rarely. Yes
Credits (reduced premium) for having a hurricane deductible, multiple accounts and renewing with us Rarely. Yes

Contact an independent agent for more information.

These descriptions of coverage are abbreviated and are subject to the terms, conditions and exclusions of the actual policy, which forms the contract between the insured and the insurance company. Available coverages, credits and options may vary by state.
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