Boat & Watercraft Insurance for time on the water.
Your boat usually isn't fully covered by home or auto. Get coverage built for the water — physical damage to your boat, liability if you injure someone or damage another vessel, on-water towing, and protection for your gear.
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Powerboats, sailboats, fishing boats, and personal watercraft.
Tell us about your boat and how you use it for a price.
- ✔ Hull & physical damage
- ✔ Watercraft liability
- ✔ On-water towing & assistance
- ✔ Fishing gear & personal effects
What boat insurance covers
Hull / Physical Damage
Damage to your boat, motor, and trailer from collision, storms, fire, or theft.
Watercraft Liability
Injuries or property damage you cause to others on the water.
Medical Payments
Medical bills for you and your passengers after an accident.
Uninsured Boater
Protects you if another boater causes an accident and has no coverage.
Towing & Assistance
On-water towing, jump-starts, and fuel delivery if you're stranded.
Personal Effects & Gear
Fishing equipment, electronics, and belongings kept aboard your boat.
What we cover
Watercraft
What our customers say
Real 5-star reviews from our customers on Google. Read more on Google
Laura was a pleasure to work with. She made the impossible happen when others turned me down! Definitely a 5-star performance!
10/10 — Laura was wonderful getting me the cheapest insurance possible. Patient, friendly, all of the above. Great customer service. Definitely recommending!
Laura has the best customer service ever. She really cares about who she is helping, very patient, and will get you the best deal!
Logan is so amazing — very knowledgeable and patient. It's always a pleasure to do business with him. Look forward to continuing business with you!
Chase Stewart was a great help getting me set up with a very affordable, full-coverage policy on my new truck.
Great customer service, great rate. They even helped me cancel my other insurance. Thank you!
Boat insurance FAQs
Doesn't my homeowners policy cover my boat?
Only in very limited ways — typically small boats with low liability and property limits. Larger or faster boats need a dedicated watercraft policy.
Is boat insurance required?
Requirements vary by state and lender, but marinas and lenders often require liability coverage, and it protects you regardless.
Does it cover my boat trailer and motor?
Yes — physical damage coverage typically includes the hull, the motor, and the trailer that hauls it.
What is on-water towing?
If your boat breaks down or runs aground, this pays for towing and assistance on the water, which can be very expensive out of pocket.