Boat insurance quotes

There are a lot of boat insurers and watercraft insurance companies you can choose from. A few things to keep in mind are what coverage you need and the reputation of the company. Enjoy the water with peace of mind knowing you and your boat are protected from the unexpected. We can help you with things like⁴

• Damage to your boat
• Damage to someone else's property
• Boat accessories
• Emergency services, such as on-water towing
• Theft⁵

We also insure these other types of watercraft

• Yachts
• Jet skis
• Pontoon boats
• Fishing boats
• Powerboats
• Sailboats
• Personal watercraft (PWC)
• And more

If you have a boat, watercraft, or yacht, it's a good idea to have some type of watercraft insurance to help protect you and your assets financially from any injuries or damage caused while boating. The question to ask yourself is whether you can afford to pay out of pocket for damages and/or injuries caused by an at fault accident?

That being said, most states don't legally require you to have boat insurance (except Arkansas and Utah). Just be sure to check with the state where you'll be boating.

There are some cases where you may be required to have insurance on your boat like

• You financed your boat and the lender requires insurance
• You go to or use ports, marinas, or storage facilities that require insurance

It's important to check with places you visit or plan to visit with your boat to make sure you know any restrictions or requirements.

Some homeowners policies may provide limited coverage for boats. However, even if it does, it'll probably be limited with restrictions when it's off your property and/or on the water. That's because homeowners insurance isn't meant to protect a boat on the water.

Many homeowners policies also have limits on

• Watercraft size
• Location of any incidents
• Limits on Liability Coverage (if any), and more

Check your policy and be sure to purchase any additional coverage you may need.

Regardless of where your mooring is, or whether you've financed your boat or not, you'll want to be covered in the event of an accident. Boats and watercrafts are big investments that should be protected. A boat insurance policy helps protect you and your boat from things like

• Physical Damage
• Fuel Spill Liability
• Medical Coverage for you or passengers in your watercraft
• Damage to another craft or structure, and more

The cost of boat insurance depends on many factors, including where it's kept, its value or cost, optional coverages, and more. For example, it may be cheaper to cover a 10 foot single engine boat compared to getting yacht insurance for a million dollar boat.

While getting the cheapest boat insurance sounds great, it could cost you when you need it most. We can help you get the boat insurance you need at a great price. The best way to find out the cost is to get a boat insurance quote by calling us at 800-295-2568.

It's always a good idea to get a few boat insurance quotes to help compare. Whether you're looking to buy boat insurance today or shopping to compare boat insurance prices, we can help you find what you need. When comparing boat insurance quotes from multiple companies, be sure to compare similar coverages, limits, and deductibles.

Yes. You may qualify for a Boat Course Discount if you or a member of your household have completed an approved boat safety course. You may also qualify for a discount for being an active member of the US Power Squadron or an active member of the US Coast Guard Auxiliary.

Please note, to qualify for this discount you'll need to submit a copy of the boat course certificate of completion.

Yes, accessories in the boat may be covered under your boat insurance policy.

Examples of things that can be covered include

• Anchors
• Oars
• Tarpaulins
• Lights
• Cushions
• Life preservers
• Fire extinguishers, and more