Boat Insurance

Uninsured Boater Coverage

When you’re out enjoying the open waters, the last thing you want to think about is what could go wrong. Unfortunately, accidents do happen — and not every boater out there is properly insured. That’s where Uninsured Boater Coverage from Boat Insurance comes in. This essential protection ensures you’re financially covered if you’re involved in an accident caused by another boater who doesn’t have insurance or doesn’t have enough coverage.

Why You Need Uninsured Boater Coverage

Many boaters ask, “Do you have to have insurance on a boat?” While the laws vary by state, the reality is that not all boaters carry adequate coverage. If you’re hit by an uninsured or underinsured boater, you could be stuck paying for injuries, medical bills, and damages out of your own pocket. This coverage ensures you’re not left vulnerable.

Whether you own a fishing boat, a yacht, or a personal watercraft, we can tailor your affordable boat insurance policy to include uninsured boater protection at a rate that fits your budget. We work with top-rated boat insurers to find you the best boat insurance options available.

How Much Is Uninsured Boater Coverage?

The cost depends on several factors, including your boat’s value, location, and your overall policy package. On average, adding uninsured boater protection to your plan has a minimal effect on boat insurance rates — but it could save you thousands in an accident.

We provide boat insurance quotes that include a clear breakdown of boat insurance prices so you know exactly what you’re paying for. If you’re searching for cheap boat insurance without sacrificing protection, our team can help you compare progressive insurance boat and Geico boat insurance plans to find the perfect fit.

What’s Covered

  • With our uninsured boater coverage, you can expect protection for:

    • Medical expenses for you and your passengers

    • Lost wages if you’re unable to work after an accident

    • Pain and suffering compensation

    • Funeral expenses in case of a fatal accident

    • Damage caused by a hit-and-run boater

    Our boat insurance agents near me are ready to guide you through every step, ensuring your plan offers the right coverage for your needs.

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.

Physical Damage Coverage

Physical Damage Coverage

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

Theft & Vandalism Coverage

Theft & Vandalism Coverage

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

Speedboat Insurance

Speedboat Insurance

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

Charter Insurance

Charter Insurance

Complete protection for charter boats, including passenger liability.

Sailboat Insurance

Sailboat Insurance

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

Fleet Insurance

Fleet Insurance

Cost-effective policies for multiple vessels under one plan.

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. Standard insurance boat insurance may not cover accidents caused by uninsured or underinsured boaters. This add-on ensures you’re not left paying out-of-pocket.

 

Not at all — adding this coverage typically has a small impact on your boat insurance cost, but the protection it offers is invaluable.

 

Absolutely. We offer Progressive boat insurance, Geico boat insurance, and plans from other top boat insurers that include uninsured boater protection.

Yes, we provide boat insurance Florida policies that include this protection, as well as coverage nationwide.

 

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