Smooth Sailing Ahead. Boat Insurance.
Compare boat insurance quotes from marine specialists. Protect your watercraft, personal property, and liability with comprehensive coverage designed for boaters.
Marine Specialists
Work with insurers who understand boating and marine environments
Comprehensive Protection
Coverage for your boat, equipment, personal property, and marine liability
All Weather Coverage
Protection against storms, hurricanes, and other marine-specific risks
Boat Insurance Coverage Options
Protect your investment with comprehensive marine insurance coverage designed specifically for watercraft and boating activities.
Hull Coverage
Physical damage protection for your boat's hull, deck, and permanently attached equipment.
- ✓ Collision damage
- ✓ Weather damage
- ✓ Theft protection
Liability Protection
Coverage for bodily injury and property damage you cause to others while operating your boat.
- ✓ Bodily injury liability
- ✓ Property damage liability
- ✓ Legal defense costs
Personal Property
Protection for personal belongings, fishing equipment, and other items on your boat.
- ✓ Fishing gear
- ✓ Electronics
- ✓ Personal belongings
Medical Payments
Coverage for medical expenses for you and your passengers injured in a boating accident.
- ✓ Emergency treatment
- ✓ Hospital bills
- ✓ Rehabilitation costs
Emergency Services
Coverage for emergency assistance, towing, and fuel delivery when you're stranded on the water.
- ✓ On-water towing
- ✓ Emergency fuel delivery
- ✓ Jump start service
Uninsured Boater
Protection when you're in an accident with an uninsured or underinsured boater.
- ✓ Hit-and-run protection
- ✓ Underinsured coverage
- ✓ Medical expenses
Coverage for Every Type of Watercraft
From small fishing boats to luxury yachts, we provide specialized coverage for all types of watercraft.
Powerboats
Speedboats, bowriders, and high-performance powerboats
Sailboats
Sailing yachts, catamarans, and racing sailboats
Fishing Boats
Bass boats, center consoles, and fishing charters
Personal Watercraft
Jet skis, wave runners, and personal watercraft
Protecting Your Marine Investment
Boats are significant investments that require specialized protection. Marine insurance differs from homeowners or auto coverage in important ways.
Agreed Value Coverage
Unlike auto insurance, boat insurance often provides "agreed value" coverage, meaning you and the insurer agree on your boat's value upfront. If it's totaled, you receive the full agreed amount.
Navigation Territory
Coverage territories are defined by where you'll be boating - coastal waters, inland lakes, or international waters each have different coverage needs and costs.
Seasonal Considerations
Many policies offer seasonal adjustments for boats that are stored during winter months, helping reduce costs during off-season periods.
Marine Survey Benefits
Professional marine surveys can help ensure proper coverage and may qualify you for premium discounts
Boat Insurance Requirements & Recommendations
While not all states require boat insurance, it's essential protection for any serious boater.
Required by Law
- • Financed boats (lender requirement)
- • Some states require liability coverage
- • Marina requirements
- • Charter boat operations
Highly Recommended
- • Boats over $5,000 in value
- • Boats with expensive equipment
- • High-performance watercraft
- • Boats used in saltwater
Smart Protection
- • Liability protection for guests
- • Environmental damage coverage
- • Theft and vandalism protection
- • Emergency assistance coverage
Boat Insurance FAQs
Get answers to common questions about boat insurance coverage and marine protection.
Set Sail with Confidence
Get comprehensive boat insurance quotes and enjoy peace of mind on every voyage.