Boats We Insure

We insure more types of boats than just about any other insurer

As long as your boat or personal watercraft (PWC) is not valued at more than $350,000 or longer than 50 feet, we’ll most likely insure it. Usually, it’s as simple as that. We do have some limitations described below. Just get a boat insurance quote and select your type. If it’s not listed call us at 1-855-347-3939, and we’ll do what we can to get you covered.

Common types of boats and PWCs we insure

Sailboat insurance

A boat that uses at least one sail for power but may also have a motor for an additional power source. Sailboat insurance costs for vessels without motors are usually a little bit lower.

Houseboat insurance

These are usually much larger boats that are designed for slower movement and have full kitchens, bathrooms, bedrooms and other common areas. For houseboats, you might want to get our coverage for gear/carry-on items. This will insure your cell phones, fishing equipment, clothes or other personal property on board up to $10,000. Unfortunately, houseboats used as a primary residence cannot be insured on your boat policy.

Bass boat insurance

This is similar to fishing boat insurance or insurance for any other pleasure watercraft. Consider our coverage for gear or carry-on items. With this, you get full replacement cost up to $10,000 for all your fishing gear or personal property you carry on your boat.

Pontoon boat insurance

A boat built on pontoons (usually hollow metal cylinders) with a flat surface to walk or sit on. Many pontoons are designed for slow movement on inland lakes and rivers.

Personal watercraft insurance

Common PWCs include Jet Skis, Sea Doos, Waverunners or similar vessels usually for one to three people. You can get very similar coverage, but for the most part, PWCs are more affordable to insure.

Insurance limitations for boats and PWCs

Overall, we have very broad acceptability for what we insure. But we do have some limits:

  • Boats over 50 feet in length or worth more than $350k in value
  • Boats 11-20 years old can be insured for up to $250k
  • Boats more than 20 years old can be insured for up to $40k
  • Note: that in some hurricane-prone states, the limits can be 35 feet and $175,000 in value
  • PWCs worth more than $27,000
  • Boats with max speed exceeding 75 mph (or bass boats up to 90 mph)
  • Boats that do not meet published U.S. Coast Guard standards
  • Boats used as a primary residence (Live Aboards)
  • All amphibious land boats, hovercraft or airboats
  • Homemade boats without a serial number
  • Houseboats that do not have motors
  • Boats with more than two owners
  • Steel or wood hulls