Personal Insurance
Boat Insurance
Owning a boat brings a lot of enjoyment — and a distinct set of risks. Boat insurance covers physical damage to your vessel, liability for accidents on the water, and protection for the equipment and belongings you bring along. Whether you have a fishing boat, pontoon, ski boat, or offshore cruiser, a dedicated marine policy keeps you protected on the water and at the dock.
What Boat Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Physical damage to the hull, motor, and boat equipment
Liability coverage if you cause injury or property damage to others on the water
Medical payments for you and your passengers after a boating accident
Uninsured boater coverage when the other party is at fault but uninsured
Theft, vandalism, and storm damage to the vessel
Personal property and fishing equipment coverage
Towing and assistance if you're stranded on the water
Who Often Explores Boat Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Boat owners of all types — fishing, recreational, pontoon, ski boats
People who keep their boat at a marina or on a trailer at home
Anglers and watersports enthusiasts who use their boat frequently
Boaters whose marina or storage facility requires liability coverage
Anyone financing a boat whose lender requires physical damage coverage
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
Ready to Get Covered?
Get Your Boat Insurance Quote Today
Answer a few quick questions and we'll connect you with options from 96+ top carriers — tailored to your needs and your state.
Coverage options vary by carrier and state. A licensed agent can explain details and availability.
Free Tool
See Everything Your Household Might Need
Boat insurance is one piece of your full protection picture. Use our Personal Coverage Finder to get personalized recommendations based on your home, vehicles, and priorities — in under a minute.
- Covers home, vehicles, and specialty items
- Recommendations ranked Essential, Recommended, or Consider
- Direct links to learn more or start a quote
- Free, no email required
Personal Coverage Finder
What Coverage Do You Need?
What best describes your living situation?