Boat Protection Experts
An independent marine protection specialist that explains options, reviews eligibility, and helps owners choose a package.
Marine Service Contracts
On Water Protection
Package-based protection for eligible engines and onboard systems, explained by an independent marine protection specialist before you choose a contract.
Review My OptionsWho Does What
Independent guidance and contract administration
On Water Protection
The registered service-contract brand under which eligible engine, vessel, and optional packages are offered.
Contract administrator
ServiceGuard Systems, Inc. generally administers contracts. In Florida, Dealers Assurance Company is the administrator and obligor.
Coverage Structure
Choose the packages that match the boat
On Water is not blanket or exclusionary coverage. Each selected package names its eligible components, unit limits, and exclusions. A part that is not listed is not covered.
Engine packages
Separate stated-component packages are available for eligible outboards, gas inboards and sterndrives, diesel propulsion, personal watercraft, and sport boats.
Vessel packages
The selected package follows the boat type, with options such as Runabout, Wake, Pontoon, Dayboat, fishing, Captain’s, Cruiser, and Yacht packages.
Optional packages
Navigation, auxiliary generator, chiller air conditioning, stabilization, thruster, and other options may be added when eligible and shown on the contract.
Navigation Package
Where radar and autopilot are listed
Navigation equipment is not automatically part of every vessel package. The separate Navigation Package lists these eligible components, subject to unit limits and contract terms:
- Autopilot head unit and hydraulic pump
- Radar display, electric motor, and array
- Up to two stand-alone GPS units and antennas
- Up to two day/night cameras
- Electronic compass assembly
- Satellite weather module and antenna
Coverage Limits
Limits attach to each selected package
$15,000 per engine
Standard engine-package limit, or the boat’s cash value if lower.
$15,000 per accessory package
Standard accessory-package limit, or the boat’s cash value if lower.
Optional limit: $25,000
Available only where the eligible package, program, and paid option allow it.
Pre-Owned Eligibility
Model year is one part of underwriting
Pre-owned boats generally qualify through the current model year plus the prior 10 model years. Model years 11–13 may be eligible with an added surcharge and a limited term.
Engine hours, vessel condition, maintenance history, usage, inspection findings, and the selected package also affect eligibility and available term length. Eligibility is never guaranteed by age alone.
Claims
Get authorization before repair work begins
Stop operating the boat when a failure is suspected. Contact the administrator and have a licensed repair facility document the cause of failure. The administrator reviews the diagnosis against the listed components and contract terms before authorizing covered work.
Contract-defined emergency procedures may apply when prior authorization is not reasonably available. No fixed approval time is promised.
Read the claims processCommon Exclusions
The issued contract controls
- Any component or service not specifically listed in the selected package
- Routine maintenance, consumables, and normal service items
- Pre-existing conditions and failures caused by inadequate maintenance
- Accident, grounding, weather, submersion, and other physical damage
- Corrosion, rust, aquatic growth, and water intrusion where excluded by the contract
- Unauthorized repairs, except contract-defined emergency procedures
Contract Ownership
Existing Eagle contracts remain in force on their own terms
Moving current options to On Water Protection does not rewrite an earlier Eagle contract. Existing Eagle contract holders should continue to use the administrator, claims instructions, benefits, limits, and dates shown in the contract they received. Contact your Boat Protection Expert if you need help locating those details.
Independent Review
Evaluate the contract, not a slogan
Reputation matters, but it does not replace the written agreement. Compare the named administrator, covered-component list, limits, exclusions, maintenance duties, claim authorization rules, cancellation, and transfer terms before buying. Boat Protection Experts reviews those details with owners as an independent specialist rather than presenting itself as On Water’s owner or administrator.
FAQ
On Water Protection FAQs
Direct answers to the questions boat owners ask most about marine warranties and repair protection.
Review Your Boat
See which On Water packages may fit
Share the boat, engine, age, and usage details that determine eligibility and available packages.