Powerboat Insurance

Get a quote and get covered today. Rates start at just $100/year*

Powerboats are one of the broadest and most common categories of boats we insure. Plus, we’ll cover a variety of uses, including pleasure activities, water sports, fishing, cruising, etc.

Just get a boat insurance quote online, and you’ll likely qualify for insurance today. Here are some of the common powerboats we insure.

  • Cuddy cabins
  • Bowriders
  • Deck boats
  • Ski/wake boats
  • Boats with top speeds up to 75mph
  • Other boats up to 50 feet long and $350k in value
  • See more on our insurance limitations (info at bottom of that page)

Popular coverages our boaters love

Propulsion Plus® mechanical breakdown coverage

Out fishing…and you unexpectedly break down? That’s just fine, because we have you protected with Propulsion Plus. Add this and we’ll pay to repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown. And yes, we will still pay for damage even if it’s caused by general wear and tear.

This is an optional coverage, and it starts at just $38/year. Compare that to the thousands you could pay out of pocket to fix your motor.

Water sports coverage

This coverage is included at no extra cost on every Progressive watercraft policy. We’ll pay for any injuries or damages to property for which the boat owner is liable—if people are tubing, knee boarding, wake boarding, wake surfing, waterskiing or other similar activities. But, this does not cover parasailing, kite boarding or other activities in which someone is pulled through the air. And yes, this covers people outside of your family too.

Replacement cost personal effects

This is an optional coverage, and you can add up to $5,000 to cover cell phones, tablets, clothes, sunglasses, cameras, SCUBA, etc. (basically all of your items that aren’t boating related). We also offer a separate fishing equipment coverage to cover fishing rods, tackle, tackle boxes, etc. We’ll cover these items if they’re damaged, stolen, lost or even fly off your boat.

The best part is that we offer FULL replacement. That means we’ll pay what it costs to replace your items with brand new ones (if we can’t repair them). For example, let’s say that you have a five-year old cell phone that flies off your boat and is lost. It’s old and only worth $100, but a brand new phone costs $600. We will pony up and pay the FULL $600 for a brand new one. That’s a $500 difference for you.

Sign & Glide® on-water towing

Add this and you’ll never be stranded on the open water again. We’ll pay for on-water towing, jump starts, soft un-groundings and fuel delivery if your boat is disabled on the water. All you have to do is call our dispatch center. We’ll arrange for and pay the tow operator directly. You pay nothing out of pocket.

Optional coverage, and only costs $30/year and $50/year in Florida.