Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Just like you wouldn’t get into a car without car insurance, you shouldn’t get into a boat without boat insurance. Boat insurance is available from many reputable insurance companies. In order to get full protection at the best rates, you can get online boat insurance quotes quickly and easily by entering your zip code at the prompt now!

Whether your boat is a yacht or a personal watercraft, obtaining the proper insurance for it is easy. You can use online boat insurance quote tools to get different rates and to find out what types of coverage are available for you.

If your boat is used to transport cargo, then you need different online boat insurance. Marine insurance applies to boats or ships that transport cargo on any body of water, including rivers, lakes, or oceans.

Online Boat Insurance for Personal Watercrafts

Personal watercrafts are also known as PWCs. They are typically jet skis or wave runners and basically carry one or two passengers at the most. PWCs can sometimes be found sitting on top of larger boats so that boaters can enjoy both types of recreational watercrafts.

PWCs are considered dangerous because of their potentially fast speeds and the capacity in which they are used. A crash between two wave runners in the middle of the lake can mean fatalities for all parties involved.

The different types of personal watercraft insurance that can be found online include high medical limits and actual cash value policies. You can also buy replacement insurance for personal effects, such as your camera or sunglasses.

Some insurance policies restrict your usage to certain times of the day while others allow you unlimited use while your insurance policy remains in effect. Additionally you can buy policies that include roadside assistance, fuel spill protection, and wreckage removal.

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Online Boat Insurance for Multi Passenger Boats

There are many different kinds of boats, from fishing boats and row boats to sail boats and motor boats. Most boat insurance policies include the same benefits, regardless of the kind of boat you have. These benefits may include roadside assistance or total loss replacement. Your policy may also cover on-water towing.

Certain types of boats may require different types of coverage. For example, a fishing boat may need a different type of boat insurance policy than a recreational sailboat. The fishing boat has fishing equipment that needs to be covered whereas the sailboat does not.

A house boat will need additional insurance as well, since it may very well have extra amenities such as appliances and personal property. Typically, boat insurance covers a variety of occurrences, including theft, provided you have supporting documentation to substantiate your claim.

Using an online boat insurance quote tool can help you get the right kind of boat insurance based on your use of the boat. You can save money on most boat insurance policies by storing your boat during the off season and putting a temporary hold or a rider of some sort on your boat insurance policy during that time.

Online Boat Insurance for Cargo Transportation

No matter what type of boat you have, if you are transporting cargo then you need marine insurance. Marine insurance covers any kind of cargo boat, regardless of the type of boat. Whether you are entering the ocean or not may dictate what kind of marine insurance you need.

Marine insurance covers not just your boat or ship, but it covers your cargo as well. This is invaluable when you consider the risks involved with transporting cargo by water and it can limit your liability substantially.

When you are ready to buy marine insurance, you can use online boat tools to get free quotes. It helps to compare several different quotes in order to find the best one. Benefits and cost of boat insurance are important, but so is reputation of the boat insurance company. Marine insurance is one of the first insurance products ever sold, so there is a lot of longevity in the industry.

If you have a cargo ship, a recreational boat, or a personal watercraft, you need to shop online. You can frequently buy boat insurance from the same insurance company that insures your car or home. Sometimes boat insurance and marine insurance are both available through the same company.

Boat insurance covers your boat whether it is on land or in water. With coverage for your boat and with coverage for all persons, you are able to enjoy your time on the water.

Free boat insurance quotes are available right now by entering your zip code at the prompt on this page!