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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Before you buy your boat or set sail for the first time, it is important to have boat insurance. If you already have a boat with boat insurance, then it is a good idea to review your policy and see if you have the most affordable coverage for the best benefits. You can get boat insurance quotes online from a number of boat insurance companies.

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Almost every insurance provider offers boat insurance, giving you a multitude of insurance companies from which to choose. When getting boat insurance quotes you should inquire about any discounts that can help reduce your premium as well as compare the benefits from each policy.

Shopping online for boat insurance quotes is simple and convenient. You can access multiple quotes simultaneously and then analyze the benefits and costs in the privacy of your own home. This allows you to make an educated decision without the pressure of an insurance salesman.

Benefits of Boat Insurance

Boating is a pleasurable experience, but it comes with many risks. Whether your boat is docked or adrift, accidents can happen. With boat insurance you are covered for a number of incidents, such as collision, sinking, or vandalism. The damages may be covered usually pertain to many different parts of the boat, including the:

  • Equipment on board
  • Hull
  • Machinery
  • Sails
  • Furnishings
  • Boat trailer

Liability coverage is available in the event you are at fault for causing bodily injury or property damage to another party. Liability can also extend to certain people who are employed to work on your boat, such as mechanics or painters.

Additional optional coverage you can add to your boat insurance takes into account your own personal property coverage, fishing equipment coverage, and uninsured medical in case you suffer injuries due to another boater who is considered at fault but does not have insurance. Watercraft insurance is also available, as described in the section below.

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Watercraft Insurance in Addition to Boat Insurance

Watercrafts are another fun way to enjoy water recreational activities. Whether you have a PWC (Personal Watercraft) stored on your boat or you keep it docked elsewhere, you can purchase insurance for it.

The biggest reason to buy watercraft insurance or any other type of boat insurance is for liability. If you are at fault for an accident while driving your watercraft or boat, you want to have insurance to help you cover the financial loss that can occur to someone else’s property. Liability will also pay for bodily injury to other parties.

If someone else takes your watercraft for a spin, such as a friend or family member, your liability insurance will automatically extend to him, keeping you covered. Also, if you are injured by another person operating a watercraft that is not insured, you will be covered through your watercraft insurance.

Not every incident will be covered by the typical watercraft insurance policy. These incidents can render your insurance null and void:

  • If you modify your watercraft in any way to exceed the standard expected speed of the watercraft
  • If you take your watercraft out after dark or before dusk

As with any insurance, watercraft insurance or boat insurance, you need to have a valid driver’s license. Before you take your stand up or sit down watercraft for a ride, be sure to have your license and insurance in order, since personal watercrafts are one of the number one cited dangers for water recreational injuries.

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Costs of Boat Insurance

The cost of boat insurance depends on many factors, including the length of the boat, the age of the boat, the amenities on the boat, and your personal driving record. A typical 25 foot boat could cost as much as $500 per year not taking all of the additional insurance needs and options into consideration.

There are ways to save money on boat insurance as well.

  • Lay up discount- If you live in a multi season city, then you will most likely put your boat into storage for a good part of the year. For this, you can get a layup insurance discount.
  • Fresh water discount- If you only use your boat in fresh water then you may qualify for a discount that sea water boaters do not get to enjoy.
  • Good driving discount- Of course, having an excellent driving record will help reduce your boat insurance premiums and you may qualify for additional savings just for passing a boat safety course, which is always a worthwhile endeavor just on its own merits.

Since the annual premium is usually much lower than typical motor vehicle insurance, you may have to pay for your boat insurance up front. This can usually be done by cash, check, or credit card. If you need to make installment payments you will have to check with your insurance agent to check on the feasibility.

Having a boat is a great way to enjoy the outdoors and spend time on the water. However, it is a high risk activity that requires boat insurance. You can get boat insurance quotes online just by entering your zip code at the prompt on this page now!