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Boat and Watercraft Insurance

  • Boat Insurance
  • Yacht Insurance
  • Jet Ski / Seadoo Insurance
  • Personal Watercraft Insurance

For boats 26 feet in length or less and personal watercraft


The Call Center is open: 
Monday – Friday 6:00 AM -7:00 PM Pacific Time
Saturday 6:00 AM – 5:00 PM Pacific Time
Sunday   8:00 AM – 5:00 PM Pacific Time

Boats greater than 26 Feet in Length and Yachts


The Call Center is open: 
Monday – Friday 5:30 AM – 5:00 PM Pacific Time
Monday – Friday 8:30 AM – 8:00 PM Eastern Time

Boat Insurance

Our team can help with boat insurance and personal watercraft.  Whether you stick to the lakes or prefer to sail along the coast, we can help with insurance for your boat.  We have access to a variety of boat insurance products, giving you options.  Being located not far from the water, boats and personal watercraft are simply a part of our lives.  From thh little Duffy electric boat to a 40 boat, we have options.

Whether you like to relax on your pontoon or are a top-notch angler, Stratum Insurance Agency’s team will tailor a policy to your needs.  We go beyond just getting you a quote based on your hull value and a few quick questions.  We will tell you about the many coverage choices to make sure that you are protecting more than just your boat, but also your water-based lifestyle.  Remember, at Stratum we know you by name, because our clients are like family.

Many watercraft are eligible:

  • Boats up to 50 feet (same day quote)
  • Boats up to 150 feet (application required)
  • Personal Watercraft
  • High Value up to $500,000
  • Commercial Charter Boats (application required)
  • Anglers, Bass Boats, Center Console and more
  • Class Boats

Specialized Coverage Options

Choose from a high end coverage package with many coverage broadening options to a more basic policy.

Broad Coverage Options

Options for open perils coverage, OEM repair parts, on water towing and more

Loss Settlement Options

You can choose:

  • Agreed Value,
  • Actual Cash Value
  • Total Loss Replacement Cost