Ohio Boat and Personal Watercraft Insurance

Whether you're boating, fishing, or riding a Jet Ski® on Lake Erie or one of Ohio's lakes or rivers, you're bound for water. That's why we've partnered with American Modern, a nationwide provider of specialty insurance. Boat insurance provides more coverage than a standard homeowners policy, with increased liability and physical damage insurance for your boat.

Ohio Boat Insurance Requirements

Unlike car insurance, boat insurance is not a requirement in many states, including Ohio. However, that doesn't mean that you should go without it. Our partnership with American Modern gives you access to comprehensive coverage with increased liability and physical damage protection. It even offers the option for coverage of your personal items on board, including your fishing gear.

How Much Does Boat Insurance Cost?

Boat insurance costs can vary widely depending on several factors, including location, boat size, and type of watercraft. For example, you won't be paying the same amount for a bass boat as you would for a high-performance boat. If you have significant boating experience or if you've already had insurance, you may be eligible for discounts through American Modern® insurance.

What You Operate, We Insure*

  • Bass/Walleye
  • Cruiser
  • High-performance
  • Houseboat
  • Hovercraft
  • Mid-performance
  • Pontoon
  • Ski boat
  • Trawler
  • Runabout
  • Sail boat
  • Sport fisher
  • Personal watercraft

Boat Safety

Wherever you sail, following basic safety precautions is necessary whenever you venture out on the open water. NJM encourages all helmsmen to have a pre-departure checklist to ensure that you aren't stuck in a sticky situation after undocking.

* Up to 64 feet in length, 120 m.p.h., and $1 million in value.

American Modern is a registered trademark of American Modern Insurance Group, Inc. All other product names, logos, and brands described herein are trademarks or registered trademarks of their respective holders and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, NJM, or their respective products and services.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1).