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Boat Insurance

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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. With GEICO for your boat and BoatUS–the nation's largest group of recreational boat owners–you're backed by a partnership with over 50 years of experience in making boating safer and more enjoyable.

Whether you're looking to start a new policy or find savings on an existing one, we're here to make boating better. Get started with a free boat insurance quote today and benefit from competitive rates without compromising on service. Protect your peace of mind and enjoy the waters with confidence, knowing that you have reliable coverage from names you can trust.

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 don't cover your needs sufficiently due to:

• Size restrictions
• Limitations on horsepower
• 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

Check out our "boating insurance explained" video for more reasons why boat insurance is a smart idea.

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 are 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) are powered by a water jet pump and the rider generally sits, stands, or kneels on it. There are many types of PWCs which include WaveRunners, Sea-Doos and more.
• Fishing and bass boats are designed and equipped for fishing. Most are powered by an outboard motor and are equipped with power poles, trolling motors, etc.
• Powerboats are the most popular type of boat used for cruising, watersports, and so much more.
• Sailboats are propelled partly or entirely by sails.

If you don't see your watercraft listed and are looking for more information on different types of boats and insurance for boats, check out our boat FAQ page .

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. At GEICO, we offer a variety of coverage options to suit every boater's needs, including:

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

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.

24/7 Boat Towing*

Boat towing coverage assists with towing costs and provides emergency services if your boat breaks down or you get stranded, so you can have peace of mind on the water.

Each type of coverage provides specific protections, allowing you to customize your policy according to your boating lifestyle and the risks you might encounter. Whether you're a casual weekend sailor or a dedicated marine enthusiast, understanding and selecting the right boat insurance coverages can make all the difference. Choose the boat insurance coverage that best fits your needs and sail with confidence knowing that GEICO has you covered.

How much does boat insurance cost?

Boat insurance is based on the type of boat, length, number of engines and horsepower, how you use it (recreation, charter, racing, etc.), and how and where it will be stored. All of these factors, including the experience and claims record of the owner/primary operator will factor into the cost of boat insurance.

Boost Your Savings With our Boat Insurance Discounts

GEICO offers several boat insurance discounts to help make coverage more affordable for boat owners. Some discounts include:

Multi-Policy Discounts

Save on boat insurance by bundling it with your GEICO Auto or additional GEICO Marine policy.

Boat Safety Courses

Discounts are available for boaters who have completed an approved boating safety course such as State Certified Safety , American Sailing Association Course , U.S. Power Squadrons , Charter Boat Captain's License, and U.S. Coast Guard Auxiliary .

Full-Pay Discount

Paying your policy in full upfront instead of in installments can lead to savings.

It's always a good idea to speak directly with a GEICO representative for the most current information regarding discounts and how you might be able to apply them to your policy.

Secure Your Boat Insurance Today

Don't wait until it's too late to think about protecting your boat. At GEICO, we offer tailored boat insurance policies designed to meet the unique needs of every boater.

Take action now! Get a free, no-obligation quote today, or speak directly with one of our specialists. They're available to answer your questions and guide you through your policy options, ensuring you have the perfect coverage for your boating lifestyle.

Call Us: (855) 395-1412

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Boat Insurance FAQ

• Is boat insurance required? Boat insurance liability coverage is only mandated in a few states, so always check insurance requirements for the state you're boating in. Physical damage coverage is required by your lender if you're financing your boat or watercraft. If you keep your boat at a marina, the marina may require you to have liability coverage.
• Liability to pay for damages and injuries you cause if you accidentally hit another boat, person, or dock

There are some types of watercrafts that are not eligible for a GEICO boat policy including but not limited to:

• Airboats, amphibious land boats or hovercraft
• Boat with more than 4 owners
• Boats over 50 feet in length
• Boats over 40 years old
• Boats valued over $2,500,000
• Floating homes
• Homemade boats
• Houseboats that do not have motors
• Steel hulls
• Wooden hulls
• Watercraft previously deemed a constructive total loss
• Does boat insurance cover theft? Our Agreed Hull Value, and Actual Cash Value policies protect against damage to your watercraft from incidents out of your control, including theft.
• How do I make a payment or manage my boat insurance policy? Managing your boat insurance policy and making payments is easy in the BoatUS app. You can also manage your policy or make payments online , or by calling (800) 283-2883 .
• How do I report a claim on my boat insurance policy? You can report your claim through the BoatUS app. Claims can also be reported online , or by calling (800) 937-1937 .

GEICO has teamed up with its subsidiary, BoatUS, to bring boaters a policy developed by specialists, with the great service you expect from GEICO. Policies are underwritten by GEICO Marine Insurance Company. 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 GEICO Marine Insurance Company. The TowBoatU.S. Towing Coverage Endorsement is offered by GEICO Marine Insurance Company, with towing services provided by the BoatU.S. Towing Program. Towing coverage only applies to the insured watercraft.

Colorado Language Preference

Are you a resident of or looking for insurance in the State of Colorado?

We are temporarily unable to provide services in Spanish for Colorado residents. You will now be directed to an English experience.

Estamos encantados de ofrecer nuestra nueva version del sitio web en Español. Apreciamos su paciencia mientras seguimos mejorando su experiencia.

Yacht In s urance

The best yacht insurance rates.

From America's boat insurance experts since 1984

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The Differences between Boat & Yacht Insurance

When you look at a boat insurance policy, you'll notice the language is unlike your typical homeowner's or auto policy. What you may not know is that vessel insurance can even vary from policy to policy, depending on a variety of factors.

Yachts are classified as vessels 27 feet or more in length, while boats are 26 feet or less. No matter what type of vessel you have, when it comes to the type of policy, seek out Agreed Value. Agreed Value policies are cover all damages, except for sails, outboard motors, canvas covers, cushions or other specified items. They do not reflect depreciation or market value, which means you will get a greater settlement in the event of a claim. Other policies such as Actual Cash Value may be cheaper, but they also factor in depreciation and market value and will subtract that from your payout.

Also, when it comes to navigation limit, boat and yacht insurance policies can vary due to different exposures. For example, a boat policy typically includes unlimited overland transportation on a trailer, while a larger yacht policy would restrict overland trailering to only several hundred miles.

Deductible amounts can also differ. A yacht policy can offer deductibles of up to 3 percent for any hull damage. However, deductibles for a total loss, marine electronics loss or a windstorm loss can vary depending on your particular policy. By contrast, a boat policy offers a flat deductible, typically of $250, $500 or $1,000.

Because yachts inherently incur more risk due to their size and navigation, the liability feature of yacht insurance provides broad coverage designed to shield you from the effects of the maritime law. Your coverage is much broader than with a typical watercraft liability policy, and offers protection to permissive users, captain and crew liabilities, along with the Jones Act, a federal law that allows a seaman who gets injured on the job to bring a suit for damages against his or her employer.

Besides, yacht insurance addresses salvage to a damaged yacht, legal liability to remove a sunken wreck and uninsured boater coverages. In a typical boat policy, only general liability protection is included. For example, if your boat sinks in the Great Lakes or any of its tributaries, the U.S. Coast Guard says it must be raised. There will be salvage costs, fuel clean-up - and you'll have to pay the bill regardless of your coverage.

While most yacht policies provide salvage coverage, they do so in different ways. Some choose to limit the dollar coverage to a stated amount or percentage of the hull amount.

Another very important part of the salvage issue is wreck removal. Some companies include wreck removal under their hull coverage, which then limits its value. A true yacht policy will include it under the protection and indemnity limit, which will provide much higher limits and additional coverage.

Get Your Insurance Quote

Another difference is that in yacht policies, your legal defense is in addition to protection and indemnity limits, while boat policies offer legal defense within the limit of liability.

Yacht policies have warranties, including the seaworthiness, navigation limits territories and navigation lay-up limits. While some boat policies do not require warranties, others may incorporate them.

Many boaters consider adding their vessels to their homeowner's insurance in an attempt to reduce their costs. Although the cost is substantially less when you add a boat to a homeowner's policy, but you don't get near the coverage. In this case, the old adage still holds true - you get what you pay for. The bottom line is not the amount of your policy premium, but how much you will collect at the time of loss.

For more information on boat and yacht insurance, or to talk to an experienced agent about different coverage options, contact NBOA Marine Insurance. Representing several A+ rated carriers, their insurance specialists will be able to create a customized policy that fits your specific needs and would be happy to answer any questions you may have.

Call 1-800-248-3512 or start your online boat insurance quote today.

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Boat Insurance

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Boat Insurance From Experts – BoatUS and GEICO have teamed up!

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Policies are underwritten by GEICO Marine Insurance Company. Privacy Policy & Notice of Collection

If GEICO Marine is unable to offer a quote, your information may be shared with non-affiliated insurance companies, CHUBB and American Modern, so that they may provide a quote. Both of these non-affiliated insurers have sole financial responsibility for its own insurance products. By clicking “Get a Quote,” you agree that the information you provide can be shared with our business partners.

Login to My Account, the place to conduct all your BoatUS business online on one secure site, anytime, anywhere. Make a payment and manage autopay options, view your policy summary, retrieve policy documents, upload claim photos and documents, update your credit card, contact and boat information, and more!

BoatUS and GEICO have teamed up to bring boaters a great boat insurance policy at a great price. Serviced by boating experts our coverage options for boaters of all kinds can’t be beat.

Check out our policies and add-on coverage options for a custom policy you can only find here.

The best marine insurance protection for your boat, engine and gear. Pays you the most in the event of a claim — the agreed value when you buy the policy for total losses and parts are replaced "new for old." Available for all boat types, excluding PWC.

This boat insurance coverage lowers your premium by paying you the current market price for your boat in the event of a total loss. Recommended for smaller boats, personal watercraft and boats without a lien holder.

Our lowest cost marine insurance policy providing essential liability coverage to protect your assets without the added cost of hull coverage. Includes salvage and wreck removal. Available for boats with no lien holder.

Custom Add-on Coverage Options

Provides liability coverage that may be required by a marina's dock contract.

Allows for paid passengers for the purposes of fishing, sight-seeing, or day cruises. Maximum of 6 passengers onboard plus the captain while being used for charter.

Usually excluded, this endorsement provides coverage for ice and freeze damage if you have your boat winterized by a marine professional.

Provides a guarantee for claims-related repairs made at an approved facility for as long as you own and insure the boat through BoatUS. (Available with Agreed Hull Value Coverage only.)

This endorsement lowers the deductible for claims relating to the dinghy and/or the dinghy's motor resulting from theft or damage to $100.

This endorsement lowers the deductible for claims relating to navigational electronics to $250.

Provides coverage to the lower unit of the insured outboard engine and outdrive due to mechanical breakdown which is usually excluded in the policy. Available with Agreed Hull Coverage only. Disappearing deductible does not apply. Click here for additional information.

Coverage for fishing and watersports equipment and personal items such as cell phones, tablets, stereos and clothing lost or damaged while on board or while being loaded or unloaded from the boat. For competitive anglers or water sport enthusiasts, Tournament Reimbursement fees are also covered under Personal Effects.

To ensure that you or your family do not incur large out-of-pocket expense if injured onboard, our policies also include an additional $25,000 for payments not covered by any major medical policy. This coverage is in addition to the medical payments limit you select with your policy.

Get Unlimited Towing from TowBoatUS at our lowest price - as little as $3 a month for the insured boat. Pricing varies with the length and location of your boat. Click here for additional information.

When you insure your trailer, roadside assistance while trailering your boat is included.

Unlimited Towing from TowBoatUS – the Nation’s Largest Fleet

Add Unlimited Towing to your boat policy for as little as $3 a month based on boat size and location.

Easy Payment Options

Paying your insurance premium is quick, easy and affordable with auto-pay and installment payment options. View All Payment Options

For a quote, visit our Online Application or call 800-283-2883 for personal service.

All coverage is subject to terms, conditions, limits and exclusions of the policy. Not all policy options are available in all states. Boat and PWC policies are underwritten by GEICO Marine Insurance Company with administrative offices at 5323 Port Royal Road, Springfield, VA 22151. GEICO Marine Insurance Company is domiciled in Omaha, NE, and coverage is offered in all 50 states and the District of Columbia to boat owners with a U.S. address. View the GEICO Marine Insurance Company Privacy Policy & Notice of Collection .

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Yacht insurance

The marine insurance leader for over 45 years.

Find a Markel marine agent and get a free, no-obligation quote today.

If you love your yacht, you’ll love our insurance.

We’ve been the yacht insurance leader for over 45 years because we provide coverages that fit your yacht and your lifestyle. Markel yacht insurance can offer distinct advantages in coverage features, options, knowledge and experience.

Why do you need yacht insurance?

Whether you own a yacht or a houseboat, we understand it’s not a typical boat and shouldn’t be covered by a typical boat insurance policy. That’s where we come in—each Markel yacht insurance policy can be customized to fit your yacht, your needs, your budget and your style.

Still not sure?

Here’s a few of the potential advantages to insuring your yacht with us:.

More complete coverage than any other carrier at no additional cost.

Experienced yacht underwriters and marine claims specialists who provide prompt, responsive service.

Discounts and cost-effective coverage options to save you money.

Flexible payment options.

Save money by customizing your yacht insurance

Actual cash value coverage (ACV) Reduce your coverage to ACV, which factors in depreciation of your yacht should you have to file a claim.

Lay-up option We’ll discount your yacht insurance premium during the winter months when your yacht is not in use.

Higher deductibles If you can manage minor repairs to your boat on your own, selecting a higher deductible will reduce your premium.

Windstorm exclusion Live in an area that isn’t at risk for a hurricane? You may consider removing windstorm coverage from your policy.

Liability only Coverage in case you damage another yacht and/or person (doesn’t require a survey—even for older boats).

What we offer

We offer coverage for a variety of watercrafts over 26 feet in length, including:.

• Sport fishing boat

Our coverages can include:

• Coverage for your yacht
• Coverage for you
• Optional coverages

Hull and equipment insurance protection including:

• Protect and recover can cover reasonable costs incurred when trying to protect your yacht from further damage after an accident
• Consequential damage for non-wood yachts–normal wear and tear and deterioration is not typically covered under a yacht insurance policy. However, if your yacht suffers damage from fire, explosion, sinking or collision because of one of these conditions, you may be protected
• Ice and freezing damage coverage if you contracted with a commercial marina or repair facility
• Agreed value for total loss
• Deductible waived on most total losses
• No depreciation on most partial losses
• Automatic tender coverage

Windstorm extra expense If there is a named storm, watch or warning, we will share the expense with you to help protect your yacht before the storm makes landfall.

Personal effects coverage For all the “extras” you physically bring onto your yacht. (i.e., smart phone, camera, etc.)

Emergency towing and assistance Coverage for towing expenses if your yacht happens to get stuck in or out of the water, including the delivery of gas, oil and parts.

Rental reimbursement coverage Coverage for when your yacht is being repaired from a covered loss.

Uninsured boater Unfortunately, not all boaters on the water have insurance. This coverage helps protect you and your family members if you are injured in an accident caused by an uninsured boater. Coverage is automatically included if watercraft liability is purchased.

Pollution liability Pollution coverage helps protects you if you are held legally liable due to an oil pollution leak or spill.

Medical payments Coverage for injuries suffered during an accident on your yacht.

Paid crew (Jones Act) Protection for you if you are legally responsible for injuries to a paid captain or crew member while on your yacht.

Protection and indemnity Coverage in the event that you are responsible for injuries to another person, or damage to their boat or property. Wreck removal is included with purchase of hull coverage.

• Boat trailer coverage
• Boat lift and boat house coverage
• Fishing tournament reimbursement for fishing boats
• Fishing equipment protection
• Transit and storage coverage
• Trip coverage
• Trip interruption reimbursement
• Personal liability coverage if you live aboard your yacht

Frequently asked questions about yacht insurance

General questions.

How much coverage do I need? Each boat, person, location and situation is different. There isn't a good way to give a "ballpark" figure for how much coverage you need. It’s best to evaluate your comfortable level of risk when protecting your boat, assets and passengers. Your best option is to call our boat specialists at +1.800.236.2453 to discuss the best coverage for you.

Can I insure my yacht for liability only? Yes, we offer protection and indemnity (liability only) coverage to help protect you in case you are responsible for injuries to another person or damage to another boat or property. Many carriers do not offer liability-only policies for yachts, or if they do, require a survey. However, Markel’s protection and indemnity coverage does not require a survey, so you’re able to do what you love without worries out on the water.

Will my policy cover normal wear and tear of my yacht? Most insurance policies will not cover normal wear and tear of your yacht and the deterioration or the resulting damage. However, if your yacht is damaged from fire, explosion, sinking, collision or stranding, you may be protected under our consequential damage coverage.

Can I use my yacht for chartering? We know that sometimes yacht owners charter their yacht for sightseeing tours or even sport fishing to help offset some of the costs of owning a yacht. Markel offers an optional limited charter coverage for these situations provided the captain of the watercraft has a minimum of 2 years loss-free experience of yachting. Additional restrictions may apply.

I live on my yacht. Am I covered? Markel provides live aboard coverage. Be sure to disclose that you live aboard to your agent.

My yacht is in a corporation's name. Can I still insure it with Markel? Our yacht insurance policy can cover corporately titled boats for both personal use and client entertainment. We do require all corporately titled boats designate a designee of the watercraft. Contact your agent to learn more.

Do I need to insure my yacht in the winter? It may seem that since you don't use your yacht in the winter you don't need to insure it. This is a risky way of looking at insurance and one that we have seen cost far too many people far too much money. Your yacht is at risk for damages at all times of the year, not only when it's on the water. For example, if your yacht is placed in storage for the winter and is damaged, you will not have any assistance in paying for those repairs without an active insurance policy.

Do you cover unique boats? We offer coverage for various kinds of boats that other insurers may shy away from, including: high performance boats, airboats, hovercraft, etc. Not sure if your watercraft will be covered? Give us a call at +1.800.236.2453 to speak with one of our marine insurance specialists.

What kind of fishing equipment is covered? Your rods, reels and tackle are automatically covered under your personal effects coverage up to the limit purchased. If that coverage isn't sufficient, our fishing equipment coverage provides insurance protection at replacement cost. Please contact one of our marine insurance specialists at +1.800.236.2453 to find out more.

Claims questions

How do I file a claim? We understand that no one wants to file a claim. That's why we do everything we can to make the process as painless as possible. You can report your yacht insurance claim by calling our office at +1.800.236.2453 or submit your claim online and we'll take it from there.

How long will it take for my claim to be processed? We are committed to investigating, evaluating and resolving marine insurance claims in a timely manner.

Is there anything I can do to help speed up the claim process? Yes, you can help streamline the claims and settlement process and avoid delays by providing the following information when you file your claim:

• Policy number
• Date, time and location of loss or damage
• Description of loss or damage
• Digital photos (if possible)
• Phone number to reach you

Additional resources

Related articles.

From boat safety tips to breaking down yacht insurance, find the information, advice, and resources you’ll need all in one place.

Warrior Sailing

Markel is a proud supporter of Warrior Sailing, an organization dedicated to healing and strengthening the lives of veterans through sailing. Visit warriorsailing.org to learn about Warrior Sailing and how you can donate to the program so they can continue to help the lives of wounded veterans.

Related products

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Personal watercraft

Insurance for personal watercrafts (PWCs) such as a Jet Ski, Sea-Doo or WaveRunner.

High performance boat

Coverage for speedboats greater than 26 feet in length and capable of speeds 66 to 120 m.p.h.

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TrustedChoice.com Article

How will this quote help me?

Your quote is based on several common factors to give you a clear picture of the cost you can expect, though an independent agent can shop around and maybe even improve your rate!

NOTE:  This quote is not final, though we did work with professional actuaries to help get you a ballpark figure to get started.

Do you have to have boat insurance on a boat?

Only two states require boat insurance by law, but there are a few instances where you may need it. If you dock your boat at a marina, they may require some form of coverage in order to protect their business. Also, if you finance your boat, nearly every lender will require coverage to protect their investment; use our list of the best boat insurance companies as a starting point.

Other than that, you should always have at least liability coverage on your boat to protect yourself against lawsuit costs if you cause bodily injury or property damage to another party. Property coverage is optional, but again, the more comprehensive your coverage, the better it can protect you.

How much is boat insurance?

The cost of any boat insurance policy depends on a number of factors, including your boat's size, value, and horsepower. Boat insurance policies can range from the low hundreds to tens of thousands of dollars annually, depending on what kind of coverage you need.

Do I need to insure my boat trailer?

Insuring your boat trailer is always a safe bet. Though your boat trailer may be protected by your home or car insurance policy, you can also add coverage to your boat insurance for your trailer. It's best to talk to your independent insurance agent about your boat, the trailer, and how you use it to determine the right coverage amount.

Does boat insurance cover passengers?

If your policy includes medical payments coverage, it will cover injuries to your passengers if you get into an accident. Medical payments coverage is an important option because just one accident can cause injuries that are extremely costly to treat.

Does boat insurance cover theft?

Typically, yes. But it's important to review your specific boat insurance policy with your independent insurance agent to make sure. Every carrier and every policy is different, but the more you know about your own policy, the better it will help protect you. 

Does boat insurance cover hurricanes?

In most cases, yes, your boat will be covered against hurricane damage. But, as with any other natural disaster or unexpected event, you'll want to double-check your policy.

Does boat insurance cover engine damage?

No, boat insurance often excludes defective machinery or maintenance costs. Wear and tear is a natural outcome of use and not covered by your policy.

What is the cost difference in insuring different kinds of boats?

The size and value of your boat are two of the most impactful features on the cost of your coverage. Insurance for a $20,000 boat can cost an average of only $300 per year, while insuring a $2 million yacht can cost as much as $30,000 per year.

Does boat insurance cover me if I hit a rock?

If you have collision coverage on your boat insurance, you should be covered for the cost of repairs if you hit a rock.

Does boat insurance cover a blown engine?

In certain cases, boat insurance may cover a blown engine if the disaster was due to a listed peril. For example, ice and freeze damage to engines is typically covered. However, blown engines due to the owner's negligence are not covered.

BOAT INSURANCE

Find the perfect agent to shop multiple insurance companies on your behalf, saving you time and money.

Boat owners can experience a lot of joy and excitement brought by their watercraft, but they also have to anticipate potentially costly disasters ahead of time. Aside from accidents on the water, your boat is also vulnerable to theft, vandalism, flood damage, and more. That's what makes having boat insurance so critical.

An independent insurance agent can help protect your vessel with the right boat insurance long before you ever need to file a claim. But first, here's some boat insurance 101.

What Is Boat Insurance?

Boat insurance is designed to cover boat owners and their watercraft in case of many different disasters, including accidents, fire, and more. These policies are made to protect boats that have motors, like yachts, pontoon boats, etc., but they don't cover kayaks or canoes. Boat insurance is important because homeowners insurance doesn't provide enough coverage on its own for most watercraft.

Do You Have to Have Insurance on a Boat?

Only two states actually require boat insurance coverage , but there are a few situations where you may need it. First, if you dock your boat at a marina, they may require some form of coverage in order to protect their business. Second, if you financed your boat, nearly every lender will require coverage to protect their investment.

Further, there are certain types of boats that are more important to insure than others due to their value, risk level, and more. Here's a handy guide to whether you need boat insurance for your vessel.

Most often, boat insurance is purchased for:

• Utility boats
• Fishing boats
• Pontoon boats

Despite all the fun to be had with a boat, accidents and disasters can happen. The easiest way to protect yourself and others, and get you back on the lake after a situation, is with the right boat insurance.

Best Boat Insurance Companies

While many carriers offer boat insurance, it's helpful to know some of the top names in the industry before you start shopping. Here are a few of our highest-recommended boat insurance companies.

An independent insurance agent can help you get the right boat insurance policy for you from one of these top-rated carriers, or another that best meets your needs.

Do I Need Boat Insurance?

The only two states that require boat insurance by law are Utah and Arkansas. Boat owners in these states must have coverage for personal watercraft or for powerboats with 50 horsepower or greater. Otherwise, if you live elsewhere and your boat is designated for personal use, you're not technically required to have insurance for it. 

However, if you lease or otherwise finance your boat, you're likely to be required by your lender to carry boat insurance, and often you'll need both collision and comprehensive coverage. When docking your boat, you're often also required by the marina to have liability coverage. However, with boating accidents being so common, it's important to at least consider getting boat insurance for yourself.

Most Common Types of Boating Accidents

Notice that the top five causes of boating accidents are due to human error, such as inattention, improper lookout, alcohol use, and inexperience. Since you can't often blame the boat for an accident or other disaster, it's even more critical to ensure that your vessel is covered with the right insurance.

How Much Is Boat Insurance?

The average annual cost of boat insurance ranges from $200 to $500 depending on the type of boat you have and other factors. It also depends on which types of coverage you need, and how much coverage you need. For folks who only purchase liability coverage, you might pay less than $100 annually. 

Often, you can expect the annual cost of your boat insurance to be about 1.5% of the value of your boat. For example:

• $20,000 boats cost about $300 annually to insure
• $50,000 boats cost about $750 annually to insure
• $100,000 boats cost about $1,500 annually to insure
• $500,000 boats cost about $7,500 annually to insure
• $2 million boats, like yachts, cost about $30,000 annually to insure
• If you are looking for boat insurance for older boats , costs will vary significantly

The cost of your boat insurance might not be this simple to figure out, though. For more help calculating the cost of your premiums, use our boat insurance calculator or reach out to an independent insurance agent for a quote.

What Factors Influence Boat Insurance Costs?

Like any form of coverage, boat insurance costs depend on several factors, including:

The make, model, and value of your boat

Your boat's make, model, and value influence the cost of boat insurance because the more expensive your boat is to replace or repair, the more expensive your coverage must be. If your boat is valued at less than $20,000, you will pay approximately the average cost in your state. If your boat is valued above $500,000, you might pay up to 2,250% of the average cost in your state. 

Your boat's length

Boat insurance costs also depend on the length of your boat. Be prepared to pay about 66% more for your coverage if your boat is 100 feet or longer, but if your boat is less than 20 feet, you may pay 12% less than average rates in your state.

Your boating records

If you've had six or more accidents or violations within the past five years, you can expect a 90% increase in your boat insurance premiums. However, if you've had no incidents during this time, you can expect a 40% decrease in your boat insurance premiums.

Your location

Boat insurance premiums vary considerably by the state you live in. Many factors can influence insurance costs by location, including crime rates, property values, and more.

How you use your boat

Depending on the risk level of the activities you perform with or on your boat, your premiums may be higher or lower. Using a boat for towing can be riskier than using it just for fishing, so boats used for fishing would be likely to have lower boat insurance premiums.

How often you use your boat

Similar to auto insurance, how often you use your boat can also influence your boat insurance rates, because the more you use it, the more likely an accident or other disaster is to occur. For boats that only get taken out on occasion, premiums for boat insurance can be much lower than those that get used daily on the water.

An independent insurance agent can provide you with quotes for boat insurance from several carriers near you.

What Discounts on Boat Insurance Exist?

Many insurance companies offer several discounts on boat insurance to help lower the cost of your premiums. Here are just a few common boat insurance discounts:

• Boater safety course discount: You might qualify for a discount on boat insurance if you complete a state-approved boater safety course.
• Bundling discount: Many insurance companies offer discounts if you bundle your boat insurance with another policy through them, such as auto insurance or home insurance.
• Paid-in-full discount: Many insurance companies lower your overall premium if you pay for your entire year's worth of coverage up-front.
• Homeowners discount: Some insurance companies even offer discounts on your boat insurance just for being a homeowner, even if your coverage is not through the same carrier. 
• Clean boating history discount: You're likely to be rewarded with a boat insurance discount by many carriers if you've maintained a clean, accident and violation-free boating record. 

Your independent insurance agent is a great ally in helping you find any discounts you may qualify for on boat insurance, no matter which carrier you go through.

What Does Boat Insurance Cover?

Boat insurance provides a lot of important protection, not only for your boat, but also for you, your passengers, and everyone else on the water or at the marina. Boat insurance typically includes the following primary coverages:

• Personal property damage:  Provides reimbursement for your boat, trailer, and engine if they're damaged by a covered peril like vandalism, fire, etc.
• Medical payments:  Provides reimbursement for treatment of injuries to you and your passengers who get hurt by your boat or while on your boat.
• Property damage liability: Provides reimbursement of property damage lawsuit costs from third parties due to your boat.
• Bodily injury liability:  Provides reimbursement for injuries to anyone who gets physically harmed by your boat.

The following coverages are commonly added to standard boat insurance:

• Uninsured/underinsured boaters:  Covers injury expenses if the other boater is responsible but doesn’t have any, or enough, insurance to cover your expenses. 
• Fishing equipment:  Sometimes included, you'll be reimbursed up to a certain limit, like $1,000. 
• Water sports liability: Some policies exclude water sports from your liability coverage and some don't, but this coverage is important if you'll be doing stunts, etc.
• Emergency assistance on the water:  Also known as boat towing insurance, coverage provides water towing and other assistance services through a maritime dispatch center. 
• Roadside assistance for your boat and trailer:  This coverage guarantees that the towing company will take your vehicle, boat, and trailer to the nearest facility if you get stranded on the road. 

If you have questions or concerns based on your plans on the water, it's best to talk to your independent insurance agent. They can help you find and increase coverage so that it works best for you. 

Important Additional Coverages for Boats

Beyond the common coverages, it's always recommended to consider additional coverages that can help tailor the policy to your unique risks. Here are several optional boat insurance coverages worth considering:

• Collision: Provides coverage for collisions between your watercraft and other vessels or objects. You're also covered if your boat capsizes on the water.
• Comprehensive:  Covers other disasters beyond collision like theft, vandalism, storm damage, and more.
• Hurricane hauling services:  Covers the cost of moving your watercraft out of the county where it's docked in case of emergency. 
• Personal property coverage:  Personal property is usually covered under your homeowners policy, even when the boat isn't at your house. However, your deductible is often higher, so you can add personal property coverage on your boat policy to avoid a homeowners claim. 
• Wreckage and fuel removal:  Reimburses cost to recover or destroy wreckage and fuel if you get in an accident. 
• Replacement cost or agreed value:  Newer and more expensive boats can be insured for agreed value, which means you'll recover the full amount you paid for it, without depreciation. 
• Pet coverage:  If you boat with a pet on board, this provides up to $1,000 towards veterinarian fees if they're injured on the boat. 

An independent insurance agent can recommend the additional boat insurance coverages that are a good match for you.

What Is Boat Rental Insurance Coverage?

Boat rental insurance is often required by boat rental companies to protect against lawsuits that may arise when you operate a rented vessel. If a third party sues you for claims of bodily injury or property damage when you're operating a rented boat and you don't have boat rental insurance, you'll have to pay out of pocket for your defense and settlement costs.

What Boat Insurance Will Pay For

Before settling on a boat insurance policy, it's important to understand just what it will reimburse you for and what it won't. Here's a breakdown for further clarification.

If you still have questions about what's covered or not covered by boat insurance, your independent insurance agent can help.

Finding Discounts and Savings on Boat Insurance

Fortunately, there are typically several discounts available for boat insurance. While options vary by insurance company, here are some common discounts:

• No claims history discount: If you've never filed a claim on your boat insurance, your carrier is likely to reward you with a discount over time.
• Diesel-powered boat discount: Some boat insurance companies offer discounts for watercraft with diesel-powered engines.
• Safety course discount: You might be eligible to receive a discount on your boat insurance if you complete a state-approved safety course.
• Bundling discount: Often you can save money on boat insurance if you bundle it with another type of coverage, such as home insurance, through the same carrier.

An independent insurance agent is your greatest ally when it comes to finding discounts on boat insurance. 

Why Choose an Independent Insurance Agent?

Independent insurance agents simplify the process by shopping and comparing insurance quotes for you. Not only that, but they’ll also cut through the jargon and clarify the fine print so you know exactly what you’re getting.

Independent insurance agents also have access to multiple insurance companies, ultimately finding you the best boat insurance, accessibility, and competitive pricing while working for you.

More Choices

Our independent insurance agents work for you, not the insurance companies. That means you always get the best coverage options to choose from.

Better Prices

When you have options from multiple companies, it's easier to find the best coverage at the right price, at no extra cost to you.

Local Services

There's an independent agent in every city who always understands the insurance coverage you need most based on local laws and needs that apply to you.

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I looked at different individual companies, but it was so time-consuming to fill out each individual application and keep track of them all. Trusted Choice got back to me quickly and gave me an option that worked. I ended up with Travelers, which has a great price. The online process was pretty easy. Plus, they did the legwork for me. It was a great experience.

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I tried finding insurance myself but I wasn't coming up with very much. I contacted Trusted Choice and they looked at various options and presented it to me. Everything with the agent went very smoothly... He knew exactly what we wanted and searched accordingly. I was able to choose the one that I thought was best so it worked out for me. I'm happy that I did it that way.

I needed insurance for the home that I was buying and based on the pricing, I went with Trusted Choice. The process was all done online and I didn't really have to do too much. The website was also easy to use and navigate and it was not overly intimidating. Everybody that I've dealt with also seemed good and professional. It was a positive experience.

One-On-One Attention

Every year I search for insurance to make sure that I’m getting the best bang for my dollar. I went with an independent agent because if I go through them, I get that one-on-one instead of being just a number.... The experience was great.

Really Helpful

TrustedChoice.com was real helpful when I needed to get insurance. The agent gave me the basics of what I'd be getting if I got insurance with them.

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I needed a different independent agent to get insurance and I went with Trusted Choice. Their website was helpful in connecting me to two or three other agents that I was able to speak to. Their site did what I needed.

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Trusted Choice's online process is super easy. They pulled most of the information and I ended up going with one of their recommendations. Aside from them, everybody else was too expensive. Plus, the Trusted Choice agent offered more coverage.

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InsureTheBoat.com

Our Experience is the Difference

The premier national marine insurance agency, we are specialists in the boat insurance industry. whether your coverage is for personal watercraft or a charter boat business, we cast a wide net of options to best suit your insurance needs..

For over 30 years, we’ve provided insurance for boats, yachts, charter boats and mega yachts throughout the United States. Be it a 11ft Seadoo PWC, 45ft Sports fisherman or a 330 Custom Mega Yacht, let our 30+ years in marine insurance work for you. Experience at the Helm matters. Experience in vessel insurance matters. Let our Experience work for you!

How Experience Makes Us Better

• We are marine insurance specialists that live, breathe, and cruise boats just like you do.
• We work for you the client, and negotiate the best rates possible on your vessel.
• You get an experienced Marine Agent with direct contact via phone or email, you won’t be stuck on hold like those other insurance companies!
• When you  Request A Free Quote , we market you to all the leading companies writing marine insurance, you do not just get one quote with one company, but the 3 best quotes for your unique risk.
• We are always adding new insurance companies to complement market needs.
• Why call 4 different agents when we have all the leading boat insurers?

When you have 5 minutes,  Give Us A Try  and see how we stack up against your current policy.

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Boat & Yacht Insurance

From small boats to large yachts, it’s smooth sailing with Chubb.

Whether you own a runabout, sailboat, yacht or mega-yacht with a full-time captain and crew, we offer some of the most comprehensive coverage and services available.

Our Products

For over a hundred years, we've offered unparalleled stability and protection with our boat and yacht insurance.

Coverage is available for all types of pleasure boats 35 feet and less, including bowriders, fishing, wake boats, and cabin cruisers, and for personal watercraft vessels like wave runners and jet skis.

Coverage is available for pleasure yachts 36 feet or greater in length and up to $3 million in value, and for captained vessels 70 feet or greater in length, valued at $3 million or more.

See the chubb difference.

Watch this short video to see how Chubb kept their client cruising when they experienced some trouble in the water.

Coming Out of Lay-Up

If your boat stays in lay-up over winter, you’ll need to take care of a few things before it’s ready for the following summer. Here are some suggestions to help you make sure your is ready for a successful launch and a safe and relaxing season.

Going Into Lay-Up

Once summer ends, many boat owners across the country will begin to prepare their vessels for winter storage. Read our full length "Going Into Lay-Up" brochure to help you complete this important lay-up process.

Related Coverage

From high-rise condos to historic buildings, we’ve got your home covered.

With liability coverage, let us be your personal peace-of-mind partners.

We help you stay ahead — and informed with these helpful tips and tricks

Figure eight knot.

An ideal knot to keep the free end of a line from running out of a block or fairlead.

Bowline Knot

Sometimes referred to as the “King of Knots,” it forms a fixed loop that won’t slip, but is easy to untie.

Square Knot

Used at sea for reefing and furling sails.

Anchor Bend Knot

Used to secure a line to a ring on a buoy or anchor rode. A strong, chafe-resistant knot.

Two Half Hitches Knot

Reliable, quickly tied, and the hitch most often used in mooring.

Clove Hitch Knot

The general purpose hitch, used wherever you need a quick, simple way of securing a line around a post, railing, spar or cleat.

Find an Agent

Speak to an independent agent about your insurance needs.

This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

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Why do you need insurance for your boat or personal watercraft?

You’ll enjoy the water even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
• Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent

Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
• Is my boat or watercraft covered for use year-round?
• What discounts and programs are available?
• How much medical insurance and liability coverage is enough?
• Do I have coverage if I need to have my boat towed in an emergency?
• What’s the process for filing and settling a claim?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

• bodily injury
• property damage
• guest passenger liability
• medical payments

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

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St Petersburg, Florida Boat & Watercraft Insurance

At The Starboard Insurance Group, Inc. , we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your St Petersburg, Florida insurance coverage needs.

Let one of our experienced agents help you find the coverage that matches your needs and offer recommendations to best fit your situation. The following list some of the many coverages that we can offer:

• Physical Damage Coverage - Adding this coverage to your policy can help protect your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.
• Liability Coverage - This coverage will assist you in the event of a collision with another boat, dock or other boaters.
• Personal Liability - helps protect you or a family member if you have an accident that causes injury to another person.
• Medical Payments - covering medical expenses if you or someone in your boat is involved in an accident.
• Property Damage - damage that may be caused to another persons property while operating your watercraft.

Boat and Watercraft Insurance in St Petersburg, Florida

Consult with one of our professional agents at The Starboard Insurance Group, Inc. to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include:

• Accident forgiveness
• Roadside Assistance
• Boat Removal
• Boating Safety
• Multi policy discounts

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