A Step-by-Step Guide to Buying Your New Boat
Purchasing a boat isn’t a small task; there are many factors to consider before settling on the boat that’s going to be right for you.
Coverage is available for boats that are used for private pleasure and recreation. MetLife Auto & Home doesn’t cover commercial, nor boats you own and charter out.
MetLife Auto & Home offers a wide variety of coverage options, including:
When you complete a boater safety course you may qualify for an additional discount. You may also qualify for additional discounts by having additional safety equipment on board when you are on the water.
Liability coverage4: Covers you and co-residing family members who are ever found legally responsible for injuries or property damage involving the ownership, use, or maintenance of your RV.
Medical payments coverage5: Provides payment for injuries resulting from the ownership, maintenance, or use of a covered RV, if you, your family members, or your passengers ever got into an accident.
Uninsured and underinsured motorists coverage1: Ensures that if you got into an accident with someone who didn’t have enough nor any insurance coverage, you’d be covered by your own policy, up to your own limit.
Physical damage coverage2: Covers your RV, if it got damaged from being outside from things, like falling tree branches, fire, theft, vandalism, and more. It can include your RV’s accessories, like special handlebars and sidecars as well.
Special parts coverage: Takes care of out-of-pocket costs for special parts, like tires, brakes, batteries, and shocks with no deduction for depreciation.3
Legal defense costs: Covers you if you’re ever sued. We’d also reimburse up to $250/day, if you ever had to attend a hearing or trial at our request.
We do have optional trailer coverage, which you may add onto your policy. This offers the same broad physical damage coverage to protect any trailers you own and use to transport your motorcycle, snowmobile, or other recreational vehicle.
No. Once your policy goes into effect, coverage stays with you 24/7, 365 days a year, subject to policy terms and conditions.
Our multi-policy discount lets you save more when you have two or more policies, including RV, boat, auto, and home insurance. Check out our Bundle and Save page for more details.
*Subject to policy terms and conditions.
1 Savings based on our 2021 countrywide research of new call center customers' average savings on auto insurance in 2020. Statistics do not reflect sales of the product sold on MetLife Auto & Home MyDirect®
2 Refer to the applicable policy for coverage details, conditions and exclusions.
3 See policy for restrictions. A deductible may apply. Does not apply to leased, substitute, nor non-owned vehicles. This coverage does not apply to theft of tires nor batteries, unless the entire vehicle were stolen. Not available in all states.
4 See policy for restrictions.
5 Medical payment benefits not available in all states or for all types of vehicles.
Boat insurance is not available in all states.
Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local MetLife Auto & Home representative or the company.
MetLife Auto & Home is a brand used by Metropolitan Property and Casualty Insurance Company (a MA licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, MetLife Auto & Home Insurance Agency, Inc., Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. The Farmers Insurance Group® has purchased all the entities described above. Farmers did not purchase Metropolitan General Insurance Company.
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