Boat and Watercraft Insurance

Smooth Sailing Starts with the Right Coverage

At Paris Insurance Group, we understand the joy and freedom of spending time on the water. Whether you own a fishing boat, sailboat, personal watercraft, or luxury cruiser, protecting your investment and your passengers is key. That’s why we offer affordable, customized boat and watercraft insurance solutions that fit your lifestyle—and your budget.

As your local and independent insurance agency, we shop multiple top-rated insurance companies to compare pricing and coverage options, helping you find the best policy to protect what matters most.

Who Needs Boat and Watercraft Insurance?

Boat and watercraft insurance is designed to cover a wide range of risks and liabilities that come with owning and operating a vessel. This includes damage to your boat, injuries to others, and even environmental cleanup in the event of an accident.

Whether you’re cruising the lake, hitting the river, or exploring the coast, a quality insurance policy ensures peace of mind every time you set sail. No matter your watercraft's size or type, you should consider boat insurance. Some marinas and lenders even require insurance before allowing docking or financing.

Did You Know?

According to the U.S. Coast Guard, there are over 4,000 boating accidents annually, many involving uninsured or underinsured vessels. The average cost of a boating accident can range from $10,000 to $100,000 or more. Without proper insurance, those costs come out of your pocket.

What Does Boat and Watercraft Insurance Cover?

A comprehensive policy can include:

• Physical damage coverage – Repairs or replacement for your boat due to collision, storms, theft, or vandalism
• Liability protection – Covers injuries or damage you may cause to others
• Medical payments – Helps with medical expenses for you or passengers
• Uninsured/underinsured boater coverage – Protects you if another boater is at fault and lacks insurance
• Towing and assistance – Covers emergency towing on water or land
• Fuel spill and wreckage removal – Helps with environmental cleanup responsibilities

Why Choose Paris Insurance Group?

We’re not just another agency—we’re your neighbors. As a local, independent agent, Paris Insurance Group offers:

• Personalized service tailored to your watercraft and lifestyle
• Access to multiple carriers so you get the best value
• Expert guidance from agents who care about your protection

Indiana Boat and Watercraft Insurance

Protection on Land and Sea. Located in Westfield, Paris Insurance offers boat and watercraft Insurance coverage throughout Central Indiana, including Indianapolis, Carmel, Noblesville, Fishers, Zionsville, Whitestown, and Brownsburg. We're also proud to serve the entire state of Indiana from our Westfield office.

Get a Boat Insurance Quote Today - Let Paris Insurance Group help you stay protected on the water with expert advice and quality coverage. Contact us for a free quote and see how smooth sailing starts with smart insurance.