Coverage Types
9 Coverages Built for Wake & Surf Boat Ownership
Every coverage here is structured around how wake and surf boats are actually built and ridden — tower and ballast equipment, inboard drivetrains, and riders in the water right behind you — not a flattened generic boat template.
Core CoverageOn-Water Liability
The foundation of every wake boat policy — bodily injury and property damage liability from operating your boat and towing riders.
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Protect Your Boat's Real ValueAgreed Value Coverage
A fixed, pre-agreed payout on a total loss — the right call for a boat whose value sits heavily in tower, ballast, and surf equipment that depreciates unevenly.
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Wake-Specific CoverageTower & Ballast Equipment
The coverage most generic boat policies quietly under-schedule — towers, integrated and aftermarket ballast systems, surf gates, and tower audio, covered for what they're really worth.
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Inboard-Specific CoverageEngine & Mechanical Breakdown
Coverage built around how inboard direct-drive and V-drive drivetrains actually fail — distinct from a typical outboard boat's engine exposure.
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Off-Season SavingsSeasonal Lay-Up Coverage
Automatically reduces liability premium while your boat is winterized and stored, matched to your real riding season and ballast-system storage needs.
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Protect Your GearWatersports Gear Coverage
Wakeboards, surfboards, ropes and handles, life vests, and portable electronics kept aboard — protected against theft, weather, and loss.
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Breakdown ProtectionTowing & On-Water Assistance
A tow back to the ramp or marina, jump-starts, and fuel delivery after a mechanical breakdown — so a stall doesn't strand your crew on the water.
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Rider-Specific CoverageGuest & Passenger Liability
Protection if a guest, passenger, spotter, or towed rider is injured aboard or behind your wake boat — sized to how many people you actually carry.
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Why Wake-SpecificWake Boat vs. Ski/Runabout
Wakesurf, wakeboard, and ski/runabout boats aren't the same insurance risk — here's exactly what changes and why it matters for your coverage.
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Tell us about your boat, your ballast/tower setup, and how you actually ride and we'll come back with a coverage combination priced to your real usage — not a flattened generic boat quote.