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There are coverage options for most boat types and boat owners’ needs. Policy cost will depend on the boat owner’s age, boat size, use, storage location, etc. Get multiple quotes to evaluate the policies’ cost range. Search for companies that offer discounts—multi-policy or others.
Overall Rating: 4.5 / 5 (Excellent) BoatUS Marine Insurance Program has 500,000 members and sells boat insurance products in all 50 states since 1966. It has superior financial ratings with all major credit rating agencies as well as an excellent rating with the Better Business Bureau. BoatUS cares about its customers, and it shows.
Overall Rating: 3.7 / 5 (Very good) State Farm is a group of well-established insurance and financial services companies servicing policyholders throughout the United States. In business since 1992, the group holds strong financial ratings from two major U.S. credit rating agencies.
Overall Rating: 3.9 / 5 (Very good) Geico offers consumers a great option for boat insurance, with complete policy packages that are easily customizable on the company's simple online quote tool. Several discounts are available, including a discount for bundling multiple policies.
SkiSafe exclusively serves the U.S. boating community through customizable boat insurance policies tailored to each watercraft type and class, from jet skis and fishing boats to luxury yachts. The insurer is headquartered in Lake Success, New York, and has over 300,000 costumers around the nation.
Among its boat insurance coverages, Liberty Mutual offers bodily injury liability, a physical damages coverage, emergency services, and coverage for accessories like oars, life vests, and anchors.
Allstate offers an agreed value boat insurance policy with additional coverages and benefits for liability, medical payments, uninsured boaters, personal effects, boat trailer, and more. It extends a generous number of discounts such as 20% for multiple policies, 10% for full payments, and 5% for automatic payments.
Overall Rating: 4.7 / 5 (Excellent) Progressive has one of the most comprehensive boat insurance policies in the market, with many options and coverages to choose from, which consumers can customize to fit their exact needs.
For more than 100 years, Chubb has been one of the premier yacht insurance providers in the United States and abroad. It offers three customizable policies with exceptional coverages and benefits for all type and class of private pleasure boats, from Jet Skis to mega-yachts.
National Boat Owners Association (NBOA) is a boat insurance agency that allows consumers to purchase policies from top-rated marine underwriters. Consumers can quickly request a personalized quote online.