Boat Insurance Coverages
Coverage simply isn’t the same everywhere. We offer many of the same standard coverages other insurers do. But we do more than meet checklist requirements. We offer more unique boat insurance coverage options—many of which don’t cost extra.
Standard boat insurance coverages and benefits
Full replacement cost
Bodily injury & property damage liability (BI/PD)
Water sports coverage
Optional boat insurance coverages
Total loss replacement
Sign & Glide® on-water towing
Fishing equipment or carry-on items
Propulsion Plus® mechanical breakdown coverage
Comprehensive & collision
Uninsured/underinsured boater (UB/UIB)
Trailer trip interruption
Why you need specialized boat insurance coverage
Boat insurance is not required in all states. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy. Get more information on boat insurance requirements.
Off the water, you may be able to insure your boat on your homeowners insurance policy. But homeowners policies typically cover small low-powered watercraft and offer few optional coverages. That’s why so many boaters choose Progressive specialized policies. With us, you’ll get all the coverages listed above (or the option to select them).