• Watercraft and Yachts

    Consider the Cincinnati Difference

    Let us put the Cincinnati advantages of personal service and value to work on your watercraft policy. Consider these benefits not always available from other carriers:

    • Agreed Value on Loss Settlement on Class II Watercraft1: Your loss settlement is based on the value that both you and Cincinnati agree upon when you add your Class II watercraft to the policy. Depreciation does not decrease the amount of your settlement.
    • Unlimited Trailering of Class I Watercraft2: You have no distance restrictions when trailering your Class I watercraft.
    • Competitive Coverage and Pricing: You have your choice of a wide variety of watercraft available on the market today. In turn, our watercraft policy provides competitive coverage and pricing on most types of boats you may own.
    • Local Claims Service: Your claim gets attention from our professional Cincinnati claims representative who lives in your agency’s community.

     Reward Yourself

      • Package Credit- When you choose Cincinnati to insure your primary residence as well as your watercraft, you receive an additional credit on your watercraft policy.
      • Loss Free Credits- Your previous Class II watercraft claims history may qualify you for an additional credit.
      • Deductible Credits- Your choice of Class II watercraft deductible may qualify you for an additional credit.
      • Lay Up Credits- When you don’t use your Class II watercraft while it is laid up for more than four months, you may qualify for an additional credit.
      • Many other premium-saving credits In addition to these credits, you may earn premium-saving credits for having any of these:
          • VHF radio (Class II)
          • Depth finder (Class II)
          • Radar (Class II)
          • GPS (Class II)
          • Theft alarm (Class II)
          • Sniffer (Class II)
          • Completion of a recognized boating safety course (Class I and II)
          • Automatic fire extinguisher (Class II)
          • Diesel engine (Class II)
          • Current membership in the U.S. Coast Guard Auxiliary or U.S. Power Squadron (Class I and II)

    1 Any watercraft with permanent sleeping, cooking and sanitary facilities, including cruisers, motor yachts and most sailboats over 26 feet.

    2 Watercraft including runabouts, cuddy cabin, pontoon boats, sailboats, rowboats and canoes.

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