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What is Boat Insurance?
Sail with Confidence
Protect your boat in case of accidents or damage. Boat insurance may provide liability coverage from an on-water incident.
Legally or Contractually Required
Arkansas, Hawaii, and Utah legally require boat insurance. Some marinas may also require it to dock there, and some financial intuitions may require it as a condition of financing.
Customize Your Coverages
InsureOnline.com can help you shop boat insurance policies to find one that makes sense for you.
What Does Boat Insurance Cover?
It is especially beneficial to help protect you from unexpected incidents on the water.
Damage to Your Personal Boat
Damage to Others' Property
Fuels Spills
On-the-Water Towing
Medical Payments
Liability
Uninsured Protection
Salvage Boat and Wreck Removal
Optional Insurance Coverage
You can all these coverages to your policy to enhance your coverage.
- Personal Property Coverage
- Fishing Equipment Coverage
- Ice/Freeze Coverage
- Disappearing Deductible
- Weather Ice/Freeze Coverage
Factors That Can Potentially Impact Your Rate
Age and Gender
Certain age brackets and genders have been statistically shown to be less risky to insure. People who fall into these categories may see lower premium rates.
Credit and Driving Record
Good credit scores and clean driving records are viewed positively by insurance companies. These things can help keep rates lower.
Homeowner
Homeowners may receive bundled rates or viewed as less risky.
Coverage Options on Policies
Higher deductibles may mean lower premiums. Bundling policies with other products such as home and auto may get you a discount as well.
Type and Age of Boat
Rates are impacted by the type and size of your boat as well as its age. Expensive, new or larger boats may cost more to insure that older and smaller boats.
Boating Experience and Training
Experienced and highly skilled skippers may see lower premiums. Your boating training and years on the water may be factors taken into consideration when quoting a policy.
Safety Measures
Insurers like when owners have taken precautions to protect their boat. Already having insurance coverage or safety equipment (radar, GPS, EPRIB, depth finders, etc.) is often viewed favorably.
Location
If your boat's location is prone to natural elements such as storms or flooding, you may have a higher premium. Also take into account that navigation limits vary from company to company.
Recurrence
How frequently you boat may be taken into consideration. Regular boaters may have higher premiums than those who take their boat out on occasion.
New to Boat Insurance?
Here is What to Expect
Do I need Boat Insurance?
While it is only required in Arkansas, Hawaii, and Utah, some marinas or financial institutions may require it. Boat insurance is also a great way to help protect one of your precious assets.
Discounts and
Savings
Savings
Here are some of the many discounts that may be available:
- Bundling your boat, auto, and home insurance
- High deductible
- 2-year accident free
- Pay in full
- Diesel-powered engine
- And more!
Expenses in Different States
Boat insurance is an affordable option for many people, especially those in landlock states. Northern states have shorter boating seasons compared to southern states. Talk to one of our licensed agents today to get your free quote!
Our licensed insurance agents will discuss available options and discounts during your boat quote.
Boat Insurance FAQ
What kind of boats are insured?
We can help you find insurance for a variety of boats, including:
- Houseboats
- Kayak/canoes
- Runabout/sport boats
- Bass/fishing boats
- Personal Watercrafts
- Cruiser/yachts
- Sailboats
How much is boat insurance?
There are many factors taken into account when shopping around for boat insurance. Our licensed agents can guide you through the process and find you quotes from different companies.
How can I stay safer on the water?
Practicing water safety and good boating practices can mean the differences between life and death. Some general tips include:
- Avoid boating next to others
- Never operate a boat under the influence
- Always slow down before crossing paths with another boat
Can you help me shop for boat insurance?
We'd be happy to help you shop for boat insurance. Give one of our licensed agents a call at 1-844-358-5605 today to see what options may be available.
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I spoke with Crystal Thomas today and I was very very pleased with the service she provided. She needs a raise at this point. Loved the experience and went above and beyond to help with further questions that had nothing to do with the point of the call.
Jerri B.
Crystal Thomas was AMAZING… She came in and gave me a quote that had me speechless. Glad I stayed with this company!!!
Chloe G.
Nick was so helpful. I needed an extra day to complete everything and Nick gave me his direct line and kept me paperwork @ his desk so I could keep dealing with him until the end. He made my first time experience with First Chicago excellent!! Thanks Nick and First Chicago!! 😁😁
Angela S.
Nick was very thorough, friendly and answered any questions that I had pertaining to my insurance policy. Customer service was A1. Thank you Nick.
Candace B.
