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Wayne Mutual can provide a stand-alone Boatowners policy or combine Boatowners coverage with an existing Wayne Mutual homeowners, mobile homeowners, farmowners or fire and extended coverage policy.  Our Boatowners package can include property, liability and uninsured/underinsured boaters coverage, or can provide individual property or liability coverage.  Consult your local agent to find out which program will best suit your needs.

Wayne Mutual's Boatowners programs are designed for power boats or sail boats that are:

• Owned by individuals for personal pleasure use

• Thirty (30) feet or less in overall length

• Not capable of exceeding a speed of 50 MPH

• Twenty (20) years or less in age (for new policies only)

• Valued at $50,000 or less

The following coverages are available:

Property

Covers damage to your boat, motor and boat trailer

• Most common boating perils including windstorms, waves, collisions, sinkings, stranding, running aground, vandalism, theft and fire

• Damage to your boat's hull, sails, spars, fittings and built-in engines

• Damage to your outboard motor, trolling motor, start-up equipment and controls, electric harnesses, fuel tanks and other pressure control tanks

• Damage to your boat trailer

Liability

Covers bodily injuries and property damage to others

• Personal liability

• Medical payments for yourself and others

Uninsured/Underinsured Boaters Protection

Covers losses caused by uninsured or underinsured boaters

• Bodily injuries to you, your family members and guests occupying your covered boat

• Damage to your boat

Optional coverages:

• Miscellaneous property (detachable boating equipment such as radios, depth finders, sports equipment, anchors, oars, lights, extra fuel tanks, deck chairs, fire extinguishers and ropes)

• Emergency service (delivery of fuel, oil or battery; changing a trailer tire)

• Water skiing medical expense coverage

Discounts

• Auto/home discount

• Completion of a boat safety course sponsored by the U.S. Power Squadron or the U.S. Coast Guard.
   

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.