Boat Insurance

Boat Insurance

From motorboats to sail boats, pleasure craft, jet skis, and personal watercraft, we can help you find the right boat insurance coverage to meet your needs. As a partner with Bankers Insurance LLC, American National Bank offers boat insurance for any state, any craft, and any coverage. Not only do we protect your boat, we provide coverage for the larger risk—the liability associated with operating a boat.

Get a Boat Insurance quote today. Contact an insurance specialist to get multiple quotes from a variety of carriers.

What is boat insurance?

A boat insurance policy will cover you and your personal watercraft in the event of liability or damage stemming from an accident. It’s a separate policy from your auto or homeowners insurance, which aren’t intended to cover boats and personal watercrafts.

Even if boat insurance isn’t required in your state, it’s always recommended. For example, some marinas may require boat insurance in order to let boat owners store their boats for the winter.

What does boat insurance cover?

Depending on the terms of your policy, your boat insurance coverage may include the following:

  • Damage to your boat
  • Liability
  • New boat replacement
  • Agreed hull value
  • Fuel spill liability
  • Medical payments
  • Salvage coverage and wreck removal
  • Uninsured boater protection
  • Damage to another boat
  • Damage to other property
  • Bodily injury or death

Get a boat quote from American National Bank!

American National’s tradition of community banking dates back over a century to our founding in 1909. We believe being local is more than just having an office in the Virginia and North Carolina communities we serve. It's about looking out for our customers with better banking options and quick, local decisions. To get a quote on a new boat insurance policy, or to review your existing policy to see if we can better meet your needs, contact our insurance team today by emailing

Insurance products are not FDIC insured, not a bank deposit, not guaranteed by the bank or any U.S. Government Agency and may lose value.