Boat Insurance

Cruise confidently with boat owner insurance.

personal boat

You go out on the water to enjoy yourself. Let us help you navigate the nautical coverage you need to do it worry-free.

personal boat

Set a course for protection from damage and liability.

Before your next day on the water, make sure you have the best coverage for your boat and everyone onboard.

100 Million Americans go recreational boating each year, and every boating trip carries some risk.1

1NNMA, 2023

$67.5M in property damagewas caused by recreational boating accidents — you’ll want to be sure you’re covered if it happens to you!2

2Safe Boating Council, 2021

Find the best policy for your boating needs.

Talk to us about a plan that protects you from trailer to waves:

Personal liability coverage

Personal liability coverage if a boating incident causes injury or damage to someone’s property.

Deductibles, replacement

Deductibles, replacement cost options and agreed value coverage for your boat.

Hull, machinery

Hull, machinery, fittings and attached equipment and furnishings protection.

Coverage options include:

  • Medical payments
  • Fishing, diving, and other equipment
  • Uninsured/underinsured boaters’ bodily injury
  • Uninsured/underinsured boaters’ property damage

Frequently asked questions about a personal boat insurance policy.

Even though most states require boaters to pass a boating safety course, few states require boat insurance. That doesn’t mean you should sail or motor without it! Even if theft or damage to your boat or its contents isn’t a big concern, you are still exposed to liability risks. Without enough coverage, you could put yourself at risk of financial  loss.

Small powerboats, with less than 25 mph horsepower, may be covered under your homeowner’s or renter’s insurance policy. Larger, faster boats may require a separate boat insurance policy. Check with your insurance agent to see what coverage you need.

Your vessel’s length, type, age, and horsepower are all factors in determining the type of coverage you need — or want. Also, where you cruise, your own boating and driving history, and any formal training or certification you have can all make a big difference.

Owners of larger craft are required by law to have workers' compensation insurance for a hired crew.