What types of boats does MetLife Auto & Home insure?
How can I save money on my boat insurance?
What type of losses does a boat policy cover?
How are losses settled?

What types of boats does MetLife Auto & Home^® insure?
We insure a broad range of outboard motor boats, inboard boats, stern drives, jet drives, sailboats, houseboats, and personal watercraft, plus the boat equipment and trailers used in connection with any of the above, subject to our underwriting guidelines.

The boat must be operated for private pleasure use only. MetLife Auto & Home's boat policy is not available for any form of commercial usage or charter operations.

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How can I save money on my boat insurance?
We share your commitment to safe boating, so we reward you with discounts on certain boat insurance coverages (subject to individual qualification and state availability):

• Safety course discounts. These are available to boaters who complete approved courses or programs given by the U.S. Coast Guard Auxiliary, U.S. Power Squadron, and National Association of State Boating Law Administrators (NASBLA).
• Protective device discounts. You'll save if your boat is equipped with a depth finder, VHF ship-to-shore radio, radar system, burglar alarm or operable radar, vapor detection system, built-in CO2 fire extinguishing system, or LORAN or Satellite Navigation systems.
• Diesel engine discount. Boats powered by a diesel engine qualify for a discount.
• Coast Guard certification discount. This is for boaters who have passed a Courtesy Marine Examination (CME) provided by the Coast Guard Auxiliary.
• Multi-policy discount. Save more when you have two or more policies with MetLife Auto & Home, including boat, auto, and home.
• Deductible savings. When you raise your deductible, you'll lower your premium.

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What type of losses does a boat policy cover?
You and your boat will be well protected by a MetLife Auto & Home boat policy, which typically covers losses by:

• Hurricane
• Theft
• Flood
• Fire
• Sinking
• Collision and more.
  

See policy for restrictions.

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How are losses settled?
Losses are settled on an Actual Cash Value basis, and all property losses are depreciated. Repairs for partial loss are covered on a "new for old" basis.

See policy for details.

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