Boat Insurance
Get your customized boat insurance quote today.
Get a boat insurance policy to protect your investment.
Boat insurance is crucial for protecting your investment, whether you're navigating lakes, rivers, or ocean waters across the United States. We provide comprehensive boat insurance coverage with optional towing coverage through BoatUS—the nation's largest group of recreational boat owners—backed by a partnership with over 50 years of experience in making boating safer and more enjoyable. If you're looking for affordable boat insurance that doesn't compromise on coverage, we offer options tailored to fit your needs.
Understanding state-specific regulations is key to ensuring you meet the requirements for boat insurance. For state specific information on boat insurance policies, coverage options, and ways to save, visit our Boat Insurance requirements by state page to learn more.
Why do you need boat insurance?
A boat insurance policy helps protect you and your boat. If you don't have a separate boat insurance policy, you're probably underinsured. This could mean paying a lot out of pocket for accidents outside your control. Many homeowners policies cover minor boating risks but likely don't cover your needs sufficiently due to size restrictions, limitations on horsepower, and limits on damage coverage.
Boat insurance can provide coverage for:
- Damage to your boat including hull, sails, equipment, and more.
- Fuel spill liability.
- Liability to pay for damages and injuries you cause if you hit another boat, person, or dock.
- Medical coverage for you and persons in your boat.
- Wreckage removal.
Boat Insurance Limits and Deductibles
A deductible is the amount you pay out of pocket before your boat insurance covers a claim. Opting for a higher deductible often lowers premiums, but increases potential costs for the insured in the event of an accident. Coverage limits are the maximum an insurer will pay for a claim, so it's essential to select limits that reflect your boat's value, usage, and potential liabilities. Claims exceeding these limits could leave you responsible for any remaining costs.
What types of watercrafts are covered by boat insurance?
All boats aren't the same. You need to customize your boat insurance to meet your needs and provide your watercraft with the proper coverage. Here is a list of the most common types of watercrafts.
Pontoon Boats
One of the most popular inland water boats. They are a flattish boat that rely on floats to remain buoyant. Their wide and spacious area is great for many passengers to enjoy the ride.
Personal Watercraft (PWC)
Powered by a water jet pump and the rider generally sits, stands, or kneels on it. Including WaveRunners, Sea-Doos and more. Having the right policy can provide the safety you need.
Fishing & Bass Boats
Designed and equipped for fishing. Most are powered by an outboard motor. Insuring your fishing boat can protect against unexpected damages, including your fishing gear.
Powerboats
The most popular type of boat used for cruising, watersports, and so much more. Protect your investment with a boat insurance quote for your watercraft!
Sailboats
Propelled partly or entirely by sails. Whether you're a weekend sailor or a seasoned navigator, securing boat insurance can provide essential coverage for your vessel.
Other Watercrafts?
If you don't see your watercraft listed, check out our boat FAQ page for more information.
What does boat insurance cover?
Understanding the different types of boat insurance coverage is crucial for ensuring your watercraft and your finances are protected against on-water incidents. We offer a variety of coverage options:
Liability Coverage
Essential for all boat owners, liability insurance covers damages and injuries to others if you're at fault in an accident. This includes costs associated with injuries, property damage, and legal fees.
Hull and Equipment Coverage
Protects your boat if it collides with another vessel or object. It also covers non-collision-related damages to your boat, such as those from fire, theft, or storms. Choose a deductible that fits your budget.
24/7 Boat Towing*
We also offer optional boat towing coverage through TowBoatUS. This coverage assists with towing costs and provides emergency services if your boat breaks down or you get stranded.
Boost Your Savings With Discounts
How much does boat insurance cost? It depends on the type of boat, length, engine, usage, and storage. We offer several boat insurance discounts to help make coverage more affordable:
Multi-Policy Discounts
Save on boat insurance by bundling it with your auto or additional marine policy.
Boat Safety Courses
Discounts are available for boaters who have completed an approved boating safety course such as BoatUS Foundation's Online Boating Safety Course, State Certified Safety, American Sailing Association Course, etc.
Secure Your Boat Insurance Today
Don't wait until it's too late to think about protecting your boat. Get a free, no-obligation quote today.
Start Your QuoteSpeak with a Specialist
They're available to answer your questions and guide you through your policy options, ensuring you have the perfect coverage for your boating lifestyle.
(855) 395-1412Mon - Fri
8:00 AM - 10:00 PM (ET)
Sat - Sun
8:00 AM - 9:15 PM (ET)
Boat Insurance FAQ
We've teamed up with BoatUS to bring boaters a policy developed by specialists, with the great service you expect. Policies are underwritten by our partner marine insurance carriers. BoatUS—Boat Owner's Association of The United States—is the nation's largest association for recreational boaters providing service, savings and representation for over 50 years.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Some discounts, coverages, payment plans, and features are not available for all customers, in all states, or in all locations.
*Boat and PWC coverages are underwritten by our partner marine insurance carriers. The TowBoatU.S. Towing Coverage Endorsement is offered by our partner carriers, with towing services provided by the BoatU.S. Towing Program. Towing coverage only applies to the insured watercraft.
*Some discounts, coverages, payment plans and features are not available in all states or from all carriers. Availability and savings vary by location and individual circumstances.