On-water protection
Boat & Watercraft Insurance Coverage & Quotes
Boat insurance protects your vessel, motor, and trailer, and covers liability on the water — risks a homeowners policy usually will not. Compare coverage options.
- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers
Get free boat insurance quotes
Where are you located?
Boat rates depend on your vessel and where you use it. Start with your ZIP.
Free comparison · No obligation · Carrier availability varies by product and state.
Quick answer
Boat insurance covers physical damage to your vessel, motor, and trailer, plus liability for injuries or property damage you cause on the water. Homeowners policies offer only limited coverage for small boats, so most owners need a dedicated policy.
What boat insurance covers
A dedicated watercraft policy protects the vessel and the people around it.
- Physical damage — repairs or replaces the hull, motor, and equipment after a covered loss.
- Liability — covers injuries or property damage you cause on the water.
- Theft & vandalism — protects against stolen boats, motors, and gear.
- Trailer & personal effects — optional coverage for your trailer and belongings aboard.
- Towing & assistance — pays for on-water towing and emergency help.
What affects your boat insurance rate
Insurers consider the boat’s type, length, value, horsepower, and top speed, plus your boating experience, location, and how and where you use it. Larger and faster vessels cost more to insure.
How to save on boat insurance
Take a boating safety course, bundle with your home or auto policy, use lay-up periods in the off-season, and store your boat securely. Compare quotes before each season.
Related coverage
Last updated:
Boat Insurance FAQs
It is not required in most states, but marinas and lenders often require it. A dedicated boat policy also covers risks a homeowners policy will not, such as on-water liability and larger vessels.
Ready to see how much you could save?
Compare personalized quotes from top carriers in minutes — free and with no obligation.
- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers