Boat Insurance

From bass boats to cruisers and personal watercraft, we shop specialist carriers for coverage that protects your boat, your trailer, and everyone on board.

Coverage for Life on the Water

A homeowners policy rarely does enough for a real boat. We compare marine carriers to cover the hull and motor, the trailer, on-water liability, and the gear you keep aboard — at a fair premium.

Tell us what you run and where you boat, and we’ll find the right fit.

A boat owner reviewing watercraft coverage

Boat Coverages We Compare

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Hull & Motor

Physical damage to your boat and engine.

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Trailer

Coverage for the trailer that hauls your boat.

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On-Water Liability

Injury or damage you cause to others on the water.

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Medical Payments

Injuries to you and your passengers.

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Fuel-Spill & Wreckage

Cleanup and removal costs after a covered loss.

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On-Water Towing

Help when you’re stranded away from the dock.

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Bundle Your Toys

Insure your boat alongside your auto, RV, or home for added savings.

Reviewing boat and auto bundle options

Boat Insurance Common Questions

Isn’t my boat covered by my homeowners policy?

Usually only small boats and very limited amounts. For most powerboats, sailboats, and personal watercraft you need a dedicated policy to cover the hull, motor, trailer, and on-water liability.

What does boat insurance cover?

Physical damage to the boat, motor, and trailer; liability for injury or damage you cause on the water; medical payments; and add-ons like fuel-spill liability, towing, and personal-effects coverage.

Do I need coverage in the off-season?

Keeping comprehensive coverage while your boat is stored protects against theft, fire, and weather damage. We can adjust your policy for lay-up periods so you’re not overpaying out of season.

Set Sail With Confidence

Get a free boat quote in minutes. No cost, no obligation.