Boat Insurance

Only pay for what you need with a customized quote

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What does boat insurance cover?

Enjoy the water with peace of mind knowing you and your boat are protected from the unexpected. Liberty Mutual boat insurance1 covers a variety of incidents, including2:

  • Damage to your boat
  • Damage to someone else’s property
  • Boat accessories
  • Emergency services, such as on-water towing
  • Theft3

We customize your insurance so you only pay for what you need.

Sail boat in the water

Does Liberty Mutual cover other kinds of watercraft?

That’s right, we don’t just keep boats afloat. Liberty Mutual also insures these other types of watercraft:

  • Yachts
  • Jet skis
  • Pontoon boats
  • Fishing boats
  • Powerboats
  • Sailboats
  • Personal watercraft (PWC)
  • And more
Woman riding on a jet ski

Do I need to have boat insurance?

It’s generally a good idea to have boat insurance to protect you and your assets financially from any injuries or damage caused while boating. However, you are not legally obligated to have boat insurance in most states (except Arkansas or Utah). Just be sure to check with the state where you’ll be boating.

If you finance your boat, you’ll likely be required to have insurance. Some ports, marinas, or storage facilities may also require boat insurance with specific requirements, so check with places you frequent or plan to visit with your boat.

If you have a homeowners policy, you might have some limited coverage for your boat already but there are typically coverage restrictions – especially once you take it off your property and out on the water. Your homeowners policy may 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 watercraft are special 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.

motor boat tied to dock

How much is boat insurance?

Boat insurance cost depends on a variety of factors, including where you keep your watercraft, the value or cost of your watercraft, optional coverages you may want to add to your policy, and more.

The best way to find out exactly how much it will cost for your exact situation, is to get a boat insurance quote. Find a local agent to get started or call 1-800-295-2568.

Whether you’re looking to purchase boat insurance today or shopping around to compare boat insurance policies and price options, we can help you find what you need. When comparing boat insurance quotes from multiple providers, be sure to compare similar coverages, limits, and deductibles.

Woman riding on a jet ski
1Availability varies by state; qualifications and conditions apply. A Liberty Mutual Homeowners policy is required.
2Certain coverages are optional. Subject to a deductible.
3Comprehensive coverage required for theft coverage.