American Modern

Serving up coverage for those who serve

We appreciate the Coast Guard Auxiliary’s dedication to keeping us protected. That’s why we’re honored to be an AuxA partner—and to help keep your boats, yachts, and personal watercraft protected when they’re on and off the water. And through our partnership, we’re able to offer you our specialty, customizable coverage, crafted for all kinds of boaters who have all kinds of needs. And you may even qualify for a discount!


What You Need to Know: Yachts

Covering yachts isn’t new to American Modern® insurance, but our new standalone Yacht Program is. We deliver competitive rates and desirable options like Consequential Damage.

How We Define "Yacht"

  • Vessels from 27 to 64 feet in length
  • No age limits on boats with agreed value
  • Hull values up to $1 million in value
  • Types of vessels covered include:
    • Triple and Quad engine sportfishing boats
    • Houseboats up to 125 feet
    • Performance boats including catamarans
    • Sailboats

Yacht Details:

  • Consequential damages
  • Flexible hurricane deductibles (1%-20%)
  • Extended navigation to the Caribbean and Mexico
  • 6 pack charters
  • No repairs made with after-market parts

What You Need to Know: Boats

Bass, center console, ski, and more — if it floats, we probably cover it!

  • Personal effects (including fishing gear) coverage is available for up to $20,000
  • Insure a personal watercraft and a boat on the same policy and get one bill—and a multi-unit discount
  • If you have both a boat and a yacht, you may qualify for a discount
  • Wooden (antique) boats are also acceptable at agreed value
  • Coverage includes Consequential Damage and optional replacement cost on parts 10-20 years old

Call for a Quote

And find out more about our
insurance and our AuxA partnership.

Take a look at the types of watercraft we cover.