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Boat policy analyzer

Analyze your boat insurance policy

Upload your boat or personal watercraft policy and see how the hull is valued, where you’re covered on the water, and what you’d pay after a loss.

  • Free, no account needed
  • Hull value, liability and navigation area in plain English
  • Questions to ask your broker about each finding

What kind of policy is it?

Best results: your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.

This is an automated, educational tool

This educational tool uses automated analysis, including AI, to help explain the documents you upload. It may make mistakes or miss important provisions. A declarations page alone generally does not include all policy terms, exclusions, or endorsements. Information not shown should not be assumed to be covered or excluded. Review the complete policy with a licensed insurance professional before making coverage decisions.

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Example report

What your breakdown looks like

An example of the plain-English report you’ll get. Upload your own policy above to see yours.

Carrier

Bayline Marine

Vessel

21 ft center console

Premium

$1,113/yr

Renews

Nov 15

What we found

  • Hull is insured at agreed valueLooks good

    $68,000 agreed. A total loss pays that amount, without depreciation.

    Ask your broker: When should the agreed value be updated?

  • Coverage stops 25 nautical miles offshoreCheck

    Trips beyond the navigation area may not be covered.

    Ask your broker: Can I extend the navigation area for a trip?

  • Hull deductible is a percentageCheck

    1% of agreed value means you’d pay $680 before hull coverage starts.

    Ask your broker: Is a flat-dollar hull deductible available?

Limits and deductibles

Hull and machinery
Agreed value
$68,000
Liability (P&I)
Injuries and damage
$300,000
Medical payments
People aboard
$5,000
Uninsured boater
Your injuries
$100,000
Hull deductible
1% of agreed value
$680

Read from your document. Check anything that looks wrong against the original.

Want someone to look at this with you?

A licensed broker can confirm what we found and quote changes.

Find a broker

How it works

  1. 1

    Upload your document

    Your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.

  2. 2

    We read every limit and deductible

    Coverages, liability and every deductible, along with the endorsements the page lists.

  3. 3

    Get a plain-English breakdown

    What’s covered, possible gaps, and questions to ask your broker.

What we check on boat policies

  • Agreed value or actual cash value
  • Navigation area
  • Lay-up period
  • Named-storm and hurricane provisions
  • Liability (P&I) limit
  • Uninsured boater
  • Towing and assistance
  • Trailer and gear

Your documents stay yours

  • We use your upload to create your breakdown.
  • We don’t send your policy to carriers or brokers.
  • It’s only added to an account if you create one.
Read our privacy policy

Questions

Does it work for jet skis and personal watercraft?

Yes. Upload the declarations page for any boat or personal watercraft policy and it reads the hull, liability and other coverages listed.

Will it explain my navigation area and lay-up period?

Yes, when the declarations page lists them: where on the water you’re covered, and any months the boat must be out of use.

What should I upload?

The declarations page is the most useful: it lists your limits, deductibles and endorsements. The full policy adds exclusions and definitions.

Is it really free?

Yes. There’s no charge and no account needed to see your breakdown.

How accurate is it?

It’s an automated reading, including AI, and it can make mistakes or miss provisions. Check anything that looks wrong against your document, and review the complete policy with a licensed insurance professional before making coverage decisions.

Will a broker or carrier contact me?

No. We don’t send your policy to carriers or brokers. We only email you if you give us your address to receive your report.

Can I analyze more than one policy?

Yes. Upload each one separately. With a free account you can keep them together and see how the limits line up.