Independent Boat & Watercraft Insurance Brokerage
Boat Insurance: Compare Quotes Nationwide
Boat insurance covers physical damage, liability, and on-water rescue for fishing boats, pontoons, ski boats, sailboats, and yachts. Homeowners policies cover only small craft (typically under 25 HP), so most boats need a separate policy.
Get a Boat & Watercraft Insurance QuoteWhat Boat Insurance Covers
- hull / physical damage
- liability
- medical payments
- uninsured boater
- fuel spill liability
- wreck removal
- towing & assistance
- personal effects
Boat Insurance FAQ
Will my homeowners policy cover my boat?
Only very small craft — typically under 25 HP, under 26 ft, and not used commercially. Anything larger needs a dedicated boat or yacht policy.
Do I need boat insurance if my marina requires it?
Yes. Marinas typically require proof of liability coverage (usually \$300k or more) before they'll let you slip there. Lenders also require it if you financed the boat.
Get a Boat & Watercraft Insurance Quote
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9 AM – 5 PM EST.