Hull & Machinery Valuation
Choose between Agreed Value (paying the full insured value without total-loss depreciation) and Actual Cash Value based on hull age, vessel type, and carrier underwriting guidelines.
Watercraft protection
Boat and watercraft insurance tailored to how and where you cruise.
From inland lakes and rivers to coastal bays and sound waters, protect your vessel, dedicated trailer, onboard electronics, and on-water liability with coverage structured around vessel type, navigation territory, and storage arrangements.
Quick insurance start
Why is boat & watercraft insurance on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Key Owner Decisions
Structuring protection for your vessel, navigation area, and crew.
Homeowners insurance routinely restricts watercraft protection to small outboard motors under 25 horsepower, strictly excluding watersports liability, marine salvage, and environmental containment. Dedicated marine policies are structured around how, where, and when you operate.
Marine Coverage Decisions
Essential protection built around vessel operation.
Navigational Territory Limits
Define operational boundaries—inland lakes and reservoirs, tidal rivers, coastal waters, or specified nautical miles offshore—to maintain continuous coverage wherever you navigate.
On-Water & Watersports Liability
Protection against bodily injury or property damage claims involving other vessels, marina docks, swimmers, or passengers engaged in watersports such as tubing and water skiing.
Trailers, Storage & Lay-up
Physical damage protection for dedicated boat trailers on highway transit, paired with flexible terms for private docks, marina wet slips, dry stack storage, and seasonal lay-up.
Marine Electronics & Gear
Scheduled endorsements protecting trolling motors, fish finders, radar, marine VHF radios, navigation systems, anchors, and personal safety equipment.
Fuel Containment & Wreck Removal
Qualified coverage for statutory environmental containment liabilities and vessel salvage or removal costs when mandated following an on-water casualty.
Quote underwriting details
What we need to build your independent comparison.
- Vessel specificationsMake, model, year, length, hull ID (HIN), engine type, horsepower, and maximum design speed.
- Mooring & storagePrimary waterway, home slip, commercial marina, dry stack, or private trailer storage location.
- Operator experienceBoating safety courses, navigation history, and operator motor vehicle records.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about boat & watercraft insurance.
Is my boat covered by my homeowners policy?
Generally no for modern powerboats. Most homeowner forms only offer minimal property coverage for small unpowered boats or motors under 25 hp, and exclude watersports liability entirely.
What is the difference between Agreed Value and Actual Cash Value?
Agreed Value pays the established policy amount without depreciation in a total loss. Actual Cash Value factors in market depreciation and wear at the time of the loss.
Does coverage include emergency on-water towing?
Yes, dedicated marine endorsements from our carriers include emergency towing, battery jumpstarts, and fuel delivery on the water.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.