Owning a boat is more than just a hobby – it’s a passion, an investment, and a way to enjoy life on the water. But as every boat owner knows, the open waters can be unpredictable. That’s why Boat Insurance offers comprehensive Physical Damage Coverage designed to protect your vessel from accidents, storms, theft, and more.
Whether you have a luxury yacht, fishing boat, or personal watercraft, our coverage ensures peace of mind every time you set sail.
Physical Damage Coverage in your boat insurance policy helps pay for repairs or replacement of your boat if it’s damaged due to a covered event. This includes collisions, fire, theft, storms, vandalism, or other unforeseen incidents.
With top-rated partners like Progressive Boat Insurance, Geico Boat Insurance, State Farm Boat Insurance, and Boat US Insurance, we make sure you get the best boat insurance with flexible options to fit your needs.
Boats face risks both on the water and on land. Even when stored, your vessel can suffer from accidental damage, theft, or natural disasters. Without proper coverage, repair costs can be overwhelming.
Our affordable boat insurance plans are designed to cover:
Accidental Collisions – Damage from hitting another vessel, dock, or underwater object.
Weather Events – Hurricanes, storms, or lightning strikes.
Theft & Vandalism – Protection against stolen boats or equipment.
Fire & Explosion – Coverage for unexpected onboard accidents.
We understand every boater’s needs are unique. That’s why we provide customized boat insurance quotes based on your vessel type, usage, and location. From cheap boat insurance for smaller boats to premium coverage for high-value yachts, we’ve got you covered.
Searching for boat insurance near me? Our local agents make it easy to get the right policy at the best rates. If you’re in Florida, our specialized boat insurance plans meet all local requirements while keeping your costs competitive.
When you request a boat insurance quote, factors that can affect your boat insurance cost include:
Type & Value of Your Boat
Your Location & Storage Method
Boating Experience & Safety Record
Coverage Limits & Deductibles
Chosen Insurer (e.g., Progressive Insurance Boat, Geico Boat Insurance)
We’ll guide you through every option to find the best boat insurance rates for your budget.
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, in most cases, your policy can be extended to cover your trailer.
How much is boat insurance depends on your boat’s value, location, and usage. Contact us for a personalized boat insurance quote.
While it’s not always legally required, most marinas and lenders will require coverage.