When shopping for boat insurance, one of the most important terms you’ll come across is Actual Cash Value (ACV) coverage. Whether you own a fishing boat in Massachusetts, a yacht in Florida, or a small sailboat in Michigan, understanding how ACV works can help you make the right decision about protecting your investment.
Bass boats are a significant investment, and unexpected events can happen at any time. With our insurance, you can protect your boat from:
Accidents and collisions
Fire and storm damage
Theft or vandalism
Liability for injuries or property damage
Towing and breakdown assistance
From small boat insurance to full boat commercial insurance for fishing guides, we’ve got you covered.
We work with top providers, including Boat US Insurance Company, Travelers Boat Insurance, Auto Owners Boat Insurance, and more to offer:
Liability Coverage – Protects you if you cause injury or damage to others.
Physical Damage – Covers repairs or replacement if your boat is damaged.
Medical Payments – Pays medical expenses for injuries to you or your passengers.
Uninsured/Underinsured Boater Coverage – Protection from those without proper insurance.
Emergency Assistance – Towing and roadside help for your trailer.
We can even insure older boats with specialized coverage, so you’re never left unprotected.
The boat insurance average cost depends on:
Boat type and value
Your boating experience
Location and storage
Coverage limits and deductibles
We’ll give you an accurate boat insurance estimate and work to get you the best boat insurance rates available.
Boat insurance covers your vessel against damage, theft, and liability for accidents on the water.
Complete protection for charter boats, including passenger liability.
Specialized coverage for luxury Sailboat, with options for global navigation.
Cost-effective policies for multiple vessels under one plan.
Enhance your coverage with add-ons like towing assistance, personal accident cover.
All-Risk Boat Insurance provides broad coverage for most types of accidental loss or damage to your boat.
Physical Damage Coverage protects your boat against repair or replacement costs from accidents, storms, theft.
Theft & Vandalism Coverage protects your boat against losses caused by stealing or intentional damage
Speedboat Insurance protects your high-performance vessel against damage, theft, and liability for accidents.
From serene lake cruises to high-speed ocean adventures, we ensure your vessel is covered anywhere you go. Our partnerships with top-rated marine insurance companies mean you get the most reliable protection at the best rates.
Yes, some providers have owners age restrictions for boat insurance, but we work with multiple companies to ensure coverage is available for most age groups.
The cost varies depending on your boat’s value, usage, and location. We can provide a free boat insurance estimate to help you budget.
Yes, Auto Owners Boat Insurance is well-rated for customer service and claims handling, making it a solid choice for many boaters.