Boat Insurance

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Protect Your Boat and Everything Onboard Equipment & Gear Coverage

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When you invest in a boat, you’re also investing in the equipment and gear that make your time on the water safe, enjoyable, and productive. From navigation systems to fishing gear, your onboard assets are just as important as the vessel itself. That’s why Equipment & Gear Coverage is an essential part of your boat insurance policy—whether you’re in Massachusetts, Michigan, Florida, Arkansas, Alabama, New Jersey, or anywhere else in the U.S.

What Is Equipment & Gear Coverage?

Equipment & Gear Coverage is designed to protect all the valuable items you keep on your boat. This includes:

  • Navigation and communication systems

  • Fishing and diving equipment

  • Safety gear such as life jackets and flares

  • Anchors, ropes, and docking tools

  • Water sports equipment like skis, wakeboards, or paddleboards

Whether you get your policy through BoatUS insurance company, Travelers boat insurance, Auto-Owners boat insurance, or even GEICO boat insurance, adding gear coverage ensures that your essentials are covered in case of damage, theft, or loss.

What Is Equipment & Gear Coverage?

Accidents and unforeseen events happen—storms, theft, collisions, or even simple mishandling can lead to loss or damage. Replacing marine equipment can be costly, and without proper coverage, those expenses fall entirely on you.

If you’ve ever wondered how much does it cost to insure a boat, remember that the cost is small compared to replacing thousands of dollars’ worth of gear out-of-pocket.

Specialty Policies for Any Boat Type

  • Whether you have a new speedboat, an older fishing vessel, or a small recreational craft, there’s an option for you:

    • Insurance for older boats – Covers vintage or well-loved vessels without heavy restrictions.

    • Small boat insurance – Affordable coverage for personal watercraft.

    • Boat commercial insurance – Ideal for fishing charters, tours, and rental operations.

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What Does Boat Insurance Cover?

Boat insurance covers your vessel against damage, theft, and liability for accidents on the water.

All-Risk Boat Insurance

All-Risk Boat Insurance

All-Risk Boat Insurance provides broad coverage for most types of accidental loss or damage to your boat.

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Physical Damage Coverage

Physical Damage Coverage

Physical Damage Coverage protects your boat against repair or replacement costs from accidents, storms, theft.

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Theft & Vandalism Coverage

Theft & Vandalism Coverage

Theft & Vandalism Coverage protects your boat against losses caused by stealing or intentional damage

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Speedboat Insurance

Speedboat Insurance

Speedboat Insurance protects your high-performance vessel against damage, theft, and liability for accidents.

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Charter Insurance

Charter Insurance

Complete protection for charter boats, including passenger liability.

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Sailboat Insurance

Sailboat Insurance

Specialized coverage for luxury Sailboat, with options for global navigation.

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Fleet Insurance

Fleet Insurance

Cost-effective policies for multiple vessels under one plan.

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Third-Party Liability

Third-Party Liability

Enhance your coverage with add-ons like towing assistance, personal accident cover.

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Protect Your Boat, Protect Your Lifestyle

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.

FAQs About Boat Insurance

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.

 

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