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Main > Learning Center > Boat Insurance

Boat Insurance

Boat insurance provides protection to you, to your passengers and to your property. Boat insurance is similar to car insurance and will protect the same way. If you purchased the boat on a loan or you use a marina, then you will be required to have boat insurance. Today most states require it also.

Most insurance companies offer discounts similar to auto insurance discounts. For example:

  • New boat discount.
  • Purchase both boat and auto insurance discount.
  • Boating Education discount.
  • Protective device discount.
  • Primary operator experience discount.
  • Diesel engine discount.
  • Discounts may differ according to insurance carrier.

Here are a few ideas to help you prevent a loss, an accident, theft or disaster:

  • Complete an authorized boating course.
  • Have your boat inspected frequently.
  • Make repairs or replace damage promptly.
  • Store your boat in a secure area.
  • Install theft prevention devices.
  • Install an alarm system.
  • Carry up to date marine charts.
  • Plan trips and routes to avoid bad weather.
  • Be responsible, ex: drinking, speeding, refueling etc.

Insurance is not only important for your boat but for your personal watercraft otherwise known as a Jet Ski. Personal watercraft’s are not covered under your boat or auto insurance. Most insurance companies can offer you insurance for your Jet Ski. There may be a discount for insuring both your boat and Jet Ski.

Protect your boat the way you would protect your car or home. Choose the boat insurance that fits your needs.

Boat Insurance From BoatUS (quick quote)
US Coast Guard - Boating Safety
Boating Courses, Boating Tips


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