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  • Collector vehicle
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  • Boat
  • Yacht

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Our solutions

Covering a wide variety of hard-to-place risks—that’s our specialty. Here’s a quick look at our full product menu.
Yacht
Our Yacht program differs from our Boat program not just in the length of the craft, but also in the customizable coverage options. A dedicated program protects vessels from 27 to 64 feet in length and up to $1.3M in value.
What’s eligible
  • Cruiser
  • Sailboat
  • Sportfisher
  • Houseboat up to 100 feet
  • Pontoon
  • Performance
  • Vessels 27 to 64 feet in length (houseboats up to 100 feet)
  • Valued up to $1.3 million*
What’s eligible
  • Cruiser
  • Sailboat
  • Sportfisher
  • Houseboat up to 100 feet
  • Pontoon
  • Performance
  • Vessels 27 to 64 feet in length (houseboats up to 100 feet)
  • Valued up to $1.3 million*
What’s eligible
  • Cruiser
  • Sailboat
  • Sportfisher
  • Houseboat up to 100 feet
  • Pontoon
  • Performance
  • Vessels 27 to 64 feet in length (houseboats up to 100 feet)
  • Valued up to $1.3 million*
Coverage levels
  • Full coverage (includes physical damage coverage for the hull plus liability)
  • Liability only (bodily injury and property damage coverage)
Coverage levels
  • Full coverage (includes physical damage coverage for the hull plus liability)
  • Liability only (bodily injury and property damage coverage)
Coverage levels
  • Full coverage (includes physical damage coverage for the hull plus liability)
  • Liability only (bodily injury and property damage coverage)
Included coverage
  • Protection and indemnity 
  • Under and uninsured boaters
  • Search and rescue
  • Wreck removal
  • $5,000 in personal effects
  • Extended parts replacement for parts up to 10 years old 
  • Accidental fuel spill
  • Dinghy up to $3,000
  • Medical payments
  • Pet protection
  • Haul out and towing 
Included coverage
  • Protection and indemnity 
  • Under and uninsured boaters
  • Search and rescue
  • Wreck removal
  • $5,000 in personal effects
  • Extended parts replacement for parts up to 10 years old 
  • Accidental fuel spill
  • Dinghy up to $3,000
  • Medical payments
  • Pet protection
  • Haul out and towing 
Included coverage
  • Protection and indemnity 
  • Under and uninsured boaters
  • Search and rescue
  • Wreck removal
  • $5,000 in personal effects
  • Extended parts replacement for parts up to 10 years old 
  • Accidental fuel spill
  • Dinghy up to $3,000
  • Medical payments
  • Pet protection
  • Haul out and towing 
Important options
  • Hull damage
  • Named storm coverage in coastal areas
  • Bow-to-stern protection
  • Trailer physical damage
  • Nautical collectibles
  • Liveaboard or diminishing deductible
Important options
  • Hull damage
  • Named storm coverage in coastal areas
  • Bow-to-stern protection
  • Trailer physical damage
  • Nautical collectibles
  • Liveaboard or diminishing deductible
Important options
  • Hull damage
  • Named storm coverage in coastal areas
  • Bow-to-stern protection
  • Trailer physical damage
  • Nautical collectibles
  • Liveaboard or diminishing deductible
Frequently Asked Questions
Other solutions to consider

To learn about coverage for smaller water vessels that can travel up to 90 miles per hour with a value of up to $1 million, check out our Boat program. 

Yacht owners might also consider coverage for their vacation home. Look at our Dwelling Special program, which requires less extensive coverage than a fulltime home. 

*May vary by state. 

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

To learn about coverage for smaller water vessels that can travel up to 90 miles per hour with a value of up to $1 million, check out our Boat program. 

Yacht owners might also consider coverage for their vacation home. Look at our Dwelling Special program, which requires less extensive coverage than a fulltime home. 

*May vary by state. 

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

To learn about coverage for smaller water vessels that can travel up to 90 miles per hour with a value of up to $1 million, check out our Boat program. 

Yacht owners might also consider coverage for their vacation home. Look at our Dwelling Special program, which requires less extensive coverage than a fulltime home. 

*May vary by state. 

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Additional product resources
Boat and Yacht eligibility guide
Boat and Yacht eligibility guide
Boat and Yacht FAQ
Boat and Yacht FAQ

Training resources
Quoting Boat & Yacht in AMsuite
Quoting Boat & Yacht in AMsuite
Recreational products overview
Recreational products overview
View all training arrow_forward
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Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or 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 but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1).

American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are registered trademarks of American Modern Insurance Group, Inc. All other 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, its products, or its services.

Please refer to the applicable Homeowners FLEX Program Manual for complete details. Different sub-limits may apply that vary from a standard HO-3 policy. “All risk” pertains specifically to dwellings and structures. Mandatory exclusions, including roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion, apply.

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