Pontoon boats are lightweight, spacious, and versatile vessels, easily customizable for whatever you choose to do on the water. At Progressive, we’ll insure almost any type of pontoon boat, including traditional pontoons, tritoons, and luxury pontoons. They’re also surprisingly affordable, and insurance for your pontoon is no different. Quote pontoon boat insurance online and be covered today.
Do you need insurance for a pontoon boat?
Only a few states mandate boat insurance, but it’s important to protect yourself and your watercraft before you hit the water. You’ll want to be covered if your boat is damaged or you’re liable for someone else’s damages or injuries.
Advantages of pontoon boats
- Better handling: hydraulic steering system helps you navigate easily
- Versatility: works as a ski boat and a fishing boat
- Storage: pontoons typically have more room than traditional boats
- Less maintenance: aluminum decking is easy to clean
What you should know when insuring your pontoon boat
- Know your pontoon’s year, make, and model for the most accurate quote; you’ll need the hull identification number to start a policy
- You can add insurance for your fishing and ski equipment
- Completing a boater safety course could bring down your pontoon boat insurance cost
- We offer coverage for your pontoon boat’s trailer
How much is pontoon boat insurance?
You can insure your pontoon for as low as $100/year.* Progressive offers a variety of boat insurance discounts to help lower your price, including one for already having boat insurance with a different company.
Popular coverages with our pontoon boaters
Water sports coverage
Included on every Progressive watercraft policy at no extra cost, we’ll pay for any injuries or property damages for which the boat owner is liable. This includes waterskiing, knee boarding, wake boarding, wake surfing, tubing, or other similar activities. Parasailing, kite boarding, or other activities in which someone is pulled through the air will not be covered.
Progressive’s Sign & Glide® on-water towing pays for jump-starts, soft un-groundings, and fuel delivery if your boat is disabled on the water. Download and use our app or contact our towing center by calling 1-888-955-0025.
For every claim-free policy period you have with us, we’ll subtract 25% from your deductible…all the way down to zero! For example, your $1,000 deductible will go down to $250 after three claim-free policy periods.
Replacement cost personal effects
We’ll pay what it costs to replace your lost/damaged items with brand new ones, assuming they can’t be fixed. You can add FULL replacement coverage up to $5,000 to cover cell phones, tablets, cameras, clothes, sunglasses, SCUBA, and other items that may not be boating-related. Plus, we offer a separate fishing equipment coverage to cover fishing rods, tackle, tackle boxes, and more. We’ll cover these items if they’re damaged, stolen, lost, or even fly off your boat.
See additional coverages for your pontoon boat.