Boat Insurance Simplified

Our Insurance has revolutionized boat insurance, making it accessible and hassle-free. Explore the freedom to boat wherever you desire without the common restrictions imposed by other insurers.

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Get a Boat Insurance: Quote with Ease

Getting specialized boat insurance is now more affordable than ever, starting at just $100 per year. Skip the complexities; we’ve eliminated the need for a marine survey, saving you up to $600 for a 30-foot boat. Request a boat insurance quote from Progressive to secure quick and reliable coverage, allowing you to hit the water without delays.

Boat insurance - yacht insurance - Best rates for custom boat insurance

Diverse Coverage for Various Watercraft

Whether you own a bass fishing boat, a pontoon boat for leisurely cruises, a versatile powerboat, or a personal watercraft like a Jet Ski or WaveRunner, we have you covered. With over 35 years of boat insurance expertise, we can likely insure any watercraft valued at up to $500,000 and up to 50 feet long.

Worry-Free Assistance

Boat insurance also covers wreckage removal and fuel spill incidents, providing financial support up to your policy’s property damage liability limits. Whether your boat sinks or you’re responsible for a fuel spill, we’ve got you covered.

Ways to Save on Your Boat Insurance

Our boat insurance partners go beyond the basics, offering significant savings on boat insurance through various discounts:

    • Multi-policy Discount: Bundle your boat insurance with home, car, motorcycle, or RV insurance for additional savings.
    • Multi-boat Discount: Insure more than one watercraft on a single policy to enjoy a discount.
    • Original Owner Discount: If you are the original owner of your watercraft, Our boat insurance rewards you with a discount.
    • Safety Course Discount: Complete a state-approved safety course and save more on your boat insurance policy.
Boat insurance - yacht insurance - Best rates for custom boat insurance

Comprehensive Coverage Tailored for You

Boat insurance automatically includes liability coverage for damages and injuries caused to others on the water. Additionally, we offer comprehensive and collision coverage to protect your boat from various risks.

Some of Our Coverages Include:

  • Sign & Glide® On-Water Towing: Boat insurance optional Sign & Glide coverage ensures you’re covered for on-water towing, fuel delivery, soft groundings, and jump starts.
  • Full Replacement Cost: When repairs are needed, we ensure your boat is restored to its previous condition or better, without depreciation.
  • Propulsion Plus®: Optional coverage to repair or replace the lower unit of an outboard motor, addressing mechanical breakdowns caused by wear and tear.


Frequently Asked Questions: Boat Insurance

Boat insurance provides coverage for a range of risks associated with owning and operating a boat. This includes protection against accidental damage, theft, fire, and liability for bodily injury or property damage caused by the boat. Important information:

  • Accidental damage coverage.
  • Protection against theft and fire.
  • Liability coverage for injuries or property damage.

In many cases, boat insurance is not legally required, but it’s highly advisable. Some marinas and lenders may require insurance if you’re financing the boat. Having boat insurance can offer financial protection in case of unexpected events. Key information:

  • Not always legally required.
  • Lenders and marinas may mandate it.
  • Offers financial protection.

Most types of boats can be insured, ranging from sailboats and powerboats to yachts. However, the insurability may vary based on factors like the boat’s age, value, and intended use. It’s crucial to check with insurance providers for specific details. Important details:

  • Coverage for various boat types.
  • Factors affecting insurability.
  • Consultation with insurance providers.

Yes, insurance providers often offer discounts on boat insurance. Common discounts may include those for completing boating safety courses, having a claims-free history, bundling policies, and installing safety features on the boat. Information to note:

  • Discounts for safety courses.
  • Benefits of a claims-free history.
  • Bundling policies and safety features for additional savings.

Coverage in international waters varies among insurance policies. It’s essential to review the policy terms to determine the geographical limits of coverage. Some policies may have restrictions, while others provide coverage for a specified navigational area. Considerations:

  • Varying coverage in international waters.
  • Review policy terms for geographical limits.
  • Policies may have specific navigational area coverage.


While boat insurance primarily focuses on the boat itself, some policies may offer limited coverage for personal belongings on board. However, coverage can vary, and it’s advisable to check the policy details or consider additional coverage for valuable items. Relevant details:

  • Limited coverage for personal belongings.
  • Policy variations in coverage.
  • Consider additional coverage for valuable items.


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