Capstone Yacht Coverage

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Protecting your investment on the water

For larger watercraft that require specialized coverages, you can choose from one of our two coverage options1, depending on the size of your yacht.

1Not available in all states.

Set sail with peace of mind with Cincinnati's Capstone Yacht coverage. For vessels between 20 and 80 feet, you’ll get agreed value in the event of a total loss, subject to policy conditions. Receive coverage for your personal effects, vermin damage, towing, emergency assistance, wreck removal and search and rescue.

Cincinnati includes replacement cost coverage for partial losses, subject to policy conditions. You also receive coverage for damages you are obligated to pay due to liability under the Federal Jones Act, General Maritime Law and the Longshore and Harbor Workers' Compensation Act.

If you need additional coverage, consider the Capstone Yacht Plus endorsement, which covers your fine arts, essential papers, firearms or coverage for inspection of the watercraft after a covered loss, subject to limitations. Should you take on charters, you can extend your property and liability coverage for an additional charge. This coverage is for vessels $1 million in value or higher.

Enjoy your nautical outings knowing that Cincinnati’s Capstone Oceania Policy can keep you afloat. It offers broad navigational limits and agreed value for 80 feet or larger yachts valued at $1 million or higher when you have a full-time captain or crew. You receive additional coverages to help protect you and your family, including coverage for:

  • Personal effects, fishing tackle and vermin damage
  • Towing and emergency expenses, search and rescue and wreck removal
  • Liability against bodily injury or property damage
  • Defense costs
  • Select environmental mishaps
  • Uninsured/underinsured watercraft
  • Charter coverage for property and liability
  • Reimbursement for charter for hire if canceled due to a covered loss
  • Damages you are obligated to pay due to liability under the Federal Jones Act, General Maritime Law and the Longshore and Harbor Workers' Compensation Act
  • Medical payments
Additional coverages and limits are available, so you can tailor your policy to meet your needs. Please contact your independent agent representing Cincinnati for additional details and policy information.