Protection on the water
Boat insurance for every vessel.
From bass boats to yachts, protect your investment on and off the water.
Coverage for your boat, equipment, and liability while you enjoy the water.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Boat Insurance 101
What does boat insurance cover?
Boat insurance covers your vessel for damage, theft, and liability. Policies typically include hull coverage (the boat itself), personal property (equipment and gear), liability (if you injure someone or damage property), and medical payments.
Coverage options vary based on your boat type, size, and how you use it. You may also want coverage for towing, fuel spill liability, and fishing equipment.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Tell us about your boat
Share details about your watercraft, how you use it, and where you boat.
All boat types covered
Step 2
Compare coverage options
See quotes with agreed value and actual cash value options.
Marine specialists
Step 3
Get on the water
Choose your policy and get proof of insurance for the marina.
Coverage starts immediately
Key decisions
Everything you need to make the right choice
Learn how boat insurance works, discover ways to save, and get the protection you need—all without the headache.
On-water protection
Coverage for collisions, storms, sinking, and more—whether docked or underway.
Liability coverage
Protection if you're responsible for injuries or damage to other boats.
Equipment coverage
Fishing gear, electronics, water sports equipment—all protected.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Understanding agreed value vs. actual cash value coverage
- Finding coverage for fishing equipment and water sports gear
- Discounts for boating safety courses and experience
- Help navigating on-water claims
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about boat insurance
Do I need boat insurance if I don't have a loan?
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While not legally required in most states, boat insurance is strongly recommended. Your homeowners policy offers very limited watercraft coverage—typically only for small boats. A dedicated boat policy covers liability, damage, theft, and more.
What's the difference between agreed value and actual cash value?
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Agreed value pays the full insured amount if your boat is a total loss—no depreciation. Actual cash value pays market value at the time of loss, which decreases over time. Agreed value costs more but provides better protection.
Does boat insurance cover my trailer?
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Most boat policies include trailer coverage, but limits vary. Make sure your policy covers the full value of your trailer. Roadside assistance for your trailer may be separate from coverage while your boat is on the water.
Ready to see how much you can save on boat insurance?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.
Boat Insurance guides and resources
Dive deeper into boat insurance topics with our in-depth guides and comparisons.
How Much Does Boat Insurance Cost?
Boat insurance costs $300-$600/year on average, typically 1-2% of your boat's value. Learn what affects your premium and how to save on coverage.
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Read moreDo I Need Boat Insurance?
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Learn about essential boat insurance coverage types including hull damage, liability, uninsured boater protection, and towing assistance.
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Learn common insurance terms and definitions to better understand your coverage options.
Read moreExplore other insurance coverage
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