Boat Insurance

Get specialized boat insurance for as little as $100 per year*

Boat insurance that gives you more freedom

Join a leading boat insurer and enjoy no travel costs or restrictions

We want you on the water actually enjoying your boat. That’s why we make it as easy as possible to get a boat insurance policy (also called boat owners insurance) and stay protected almost anywhere you go. At Progressive, we drop the common requirements other insurers may force on you, such as travel restrictions, travel costs, and marine surveys.

You’re covered anywhere in U.S. and Canada

Insure your boat with Progressive, and you’re automatically covered on all lakes and rivers in the U.S. and Canada, plus ocean waters within 75 miles of the coast. No questions asked.

Join one of the best boat insurers

35+ years of boat insurance experience. Over 1 million watercraft insured. It’s safe to say we’re one of the top boat insurance companies. Get a quote and see why boaters trust us.

How we make it easier to get boat insurance

Most of the time, all you need to do is get a quote, tell us a bit about your watercraft, and you can buy boat insurance online right away. It should be that easy everywhere, but it’s not. Here’s how we make it easier and why it matters.

No marine survey required

Some other boat insurers require a marine survey just to insure your boat. This is a detailed and expensive inspection, costing about $20 per linear foot. For a 15-foot boat, this costs $300. At Progressive, that $300 could pay for your entire boat insurance policy for three straight years.

See more ways to save and Progressive’s boat insurance discounts.

No navigation plan required

Other boat insurers may require you to submit a navigation plan that describes where you’re boating. Yeah, it’s kind of like how your parents used to ask where you were going every time you left the house. Instead, we give you the freedom to take your boat out without telling us.

We accept more types of boats and sizes

Need insurance for a unique boat? Then Progressive is your company. We insure bass boats, sailboats, pontoons, powerboats and pretty much all other watercraft up to $350k in value and 50 feet long. Just get a free boat insurance quote online, and we’ll ask about your boat. If you have a unique situation, just give us a call, and we’ll do what we can to cover you.

See the common types of boats and PWCs we insure and our coverage limitations.

Coverages we offer for you and your boat

The actual protection you get is a big reason why we’re one of the leading boat insurance companies. These are just a few of our coverages. See all of our boat insurance coverages.

  • Propulsion Plus® coverage for mechanical breakdowns

    You’ve probably heard that insurance never covers common wear and tear or mechanical breakdowns. Progressive boat insurance does. We’ll repair or replace the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor, if you have a mechanical breakdown—even if it’s caused by wear and tear.

  • Sign & Glide® for towing on the water

    We’ll pay for towing, fuel delivery, soft ungroundings, and jump starts if your boat breaks down on the water. All you have to do is call our dispatch center (the number is included on your policy card). Progressive even arranges for the tow and pays the tow operator directly (in most cases).

  • Total loss replacement for a brand new boat

    You can purchase this coverage if your boat is no more than one model year old. If it’s totaled within five model years, we’ll either buy you a new one or give you the amount you originally paid for your totaled boat—your choice. If you’re outside the five-year window, we’ll give you the original purchase price you paid. No depreciation. No estimations. Just extra cash for you.

    For example: You bought a brand new boat three years ago for $15,000, but that boat is now only worth $10,000. If you have a total loss, other insurers might just try to give you $10,000 and say that’s what your boat is worth. But a new boat will cost you $15,000+. So, we’ll spend the full $15,000+. That’s a real $5,000 difference you get with us.