Insurance products

Collector boat insurance

The best coverage at a great value for people who love boats.

A couple driving a collector boat through water, with houses in the background.

Our vision to provide coverage that gives you peace of mind about insurance for your historic vessel has been unwavering for over 30 years.​

Benefits of boat insurance through Hagerty

Agreed value

If you have a covered total loss, you receive the full agreed value the boat is insured for on your policy.* Many insurance programs only pay "up to" the insured value on your policy, this is known as a stated value policy. In other words, you may not receive the full insured amount. Make sure you know exactly what your policy pays.

Low premiums

We understand your boat won’t be driven daily or used like a car. Unlike everyday insurance carriers, Hagerty provides coverage geared specifically to your collector boat and the way you use it.​

Club discounts

As an added bonus to boaters who are involved in the hobby, we provide substantial discounts to members of most established collector boating clubs.**

Unlimited pleasure usage

Hagerty encourages pleasure use, which includes unlimited coverage for US and Canadian Territorial Waters.*** Great boats were made to be enjoyed, so we don’t require a mandatory winter lay-up period should you be heading for warmer waters that time of year.

In-house claims service

Your claim is handled by a classic boat insurance expert in-house. You get personal and direct client service even during the busiest times of the year. We also work with your repair shop of choice to ensure repairs are done the right way by someone you trust.

Unlimited land transportation

Wherever you take your boat your coverage goes with you, even when it’s on the trailer on the way to the lake or in storage for the off-season. We offer unlimited overland transportation within the United States and Canada.​

Boat restoration insurance

A boat restoration can be a time consuming and expensive project, so what happens if you experience a loss during the restoration? Well, if you have the right insurance coverage this doesn’t have to be such a scary question. With Port Risk policy it doesn’t matter if you’re restoring a watercraft yourself or using a professional facility, we can assure that you're covered. The policy includes fire, theft and vandalism. We will work with you to maintain the appropriate value while the boat is being restored. When the restoration is complete, we agree on the restored value and navigation can be added for full in-water operation.​

Our underwriter

Our policies are underwritten by Essentia Insurance Company which is rated (A) Excellent, by A.M. Best, a leading financial strength rating organization.

Hagerty provides insurance for many different types of boats, ranging from wooden boats to classic fiberglass boats.

Marine partners

These fine organizations and clubs exist to bring together enthusiasts in the inspiring world of classic boats—to share ideas, information and create a strong community of classic boaters and supporters of the hobby.

The Antique and Classic Boat Society—International

The largest society in the world dedicated to the preservation and enjoyment of historic, antique and classic boats of all types.

The Chris-Craft Antique Boat Club

Dedicated to research, documentation and preservation of all classic Chris-Craft boats.

Lyman Boat Owners Association

The Lyman Boat Owners Association is the oldest Lyman boat enthusiast organization in the U.S. and Canada, and boasts over 800 members.

Century Boat Club

Dedicated to the thoroughbred of boats – Century Boats. The Century Boat Club offers a forum to exchange ideas, ask/offer advice and share experiences with other Century boat owners.

The Chris-Craft Commander Club

This virtual club is committed to the preservation, study and appreciation of the classic fiberglass Commander boats built by Chris Craft Corporation.

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* Less any deductible and/or salvage value, if retained by you. Agreed value includes all taxes and fees unless prohibited by state law.

** Some boats may be referred to our partner and a discount will not apply.

*** This is recognized as 12 miles offshore.​

Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.