Boat insurance
Save on boat insurance, customized for you.
Boats and watercrafts are a way of life for many boat owners. It is crucial to ensure that both you and your boat are protected because of this.
We can assist you in obtaining the necessary boat insurance coverage at a competitive rate. To find out how much you may save by just paying for what you need, start your free boat insurance quotation now.
Save money with these boat insurance discounts
We can assist you in locating affordable.
Course on Boat Safety
If you or a household member have finished an authorized boat safety course, you might be eligible for a Boat Course Discount.
Credit for Boat Ownership
If you have owned a yacht for two years or longer, you can receive a premium reduction of up to 5%.
Combine and save
Combining your boat and auto insurance could result in savings.
Have more questions? No issue! We’ll guide you through every step, including ensuring you receive any applicable savings or discounts.
Bundle your insurance, more like bundle of savings!
Combining your boat and auto insurance could result in savings! That’s not all, though. By purchasing additional items together, you can save money on renters, cars, RVs, and homes. We can assist you with obtaining the necessary insurance at a competitive cost!
We also make getting a quote quick and simple for you. See why, for more than a century, customers have trusted us with their insurance requirements!
Personalized boat insurance protection created just for you
Coverages for liability
If you are at blame for an accident, this helps cover any injuries you may cause as well as any damage to other people’s property.
Coverage for physical damage
The costs of damage to your yacht are partially covered by this policy. Damage to the hull, motors, attached or unattached equipment, and other items may fall under this category.
Additional coverage
You can increase your peace of mind by adding these coverages. When combined with physical damage coverage, many of these coverages can boost your degree of protection.
Why choose Liberty Mutual for boat insurance?
For more than a century, we have been assisting individuals just like you in safeguarding the things they cherish, earning a “A” (Excellent) financial rating from A.M. Best Company.
Savings? We also have those! Combining your boat and auto insurance could result in savings.
To find out how much you may save on by only paying for what you need, start your quote now.
Get the Liberty Mutual app today!
Get to your ID cards.
To ensure that you have your ID cards on hand when you need them, save them to your device.
Handle and pay your bills.
With a few simple touches, you can alter your billing settings, pay your bills, and sign up for autopay.
Keep track of and file claims
We are available whenever you need us, from requesting roadside assistance to submitting a claim in a matter of minutes.
Common questions about boat insurance
What does boat insurance cover?
You can pick from a wide variety of watercraft and providers. A few things to consider include the company’s reputation and the type of coverage you require. You and your boat are safe against unforeseen dangers, so you may enjoy the water with confidence. We can assist you with items such as.
What other kinds of watercraft can I get insurance for?
These additional kinds of watercraft are also insured by us.
- Yachts
- Jet skis
- Boats known as pontoons
- Boats used for fishing
- Powerboats
- Boats for sailing
- PWCs, or personal watercraft
Do I need boat insurance?
To help safeguard you and your assets financially from any accidents or damage sustained while boating, it’s a good idea to get some kind of watercraft insurance if you own a boat, watercraft, or yacht. You should consider whether you can afford to pay for the injuries and/or damages resulting from an accident that was at fault out of pocket.
However, with the exception of Arkansas and Utah, the majority of states do not legally require. Simply be sure to inquire with the state in which you plan to boat.
In certain situations, you might need to have insurance on your boat, such as
The lender requires insurance for the yacht you financed.
You visit or make use of harbors, ports, or warehouses that
Does my homeowners insurance cover my boat?
Boat coverage may be restricted under certain homeowner’s insurance. But even if it does, there will likely be limitations while it’s on the sea or off your land. This is due to the fact that a boat on the water is not covered by homeowners insurance.
Additionally, many homeowner’s policies have restrictions on
Size of the watercraft
Where any occurrences occurred
Liability coverage limitations (if applicable), among other things
Verify your policy and make sure you buy any extra coverage you might require.
You should have insurance in case of an accident, regardless of where you’re docking or if you’ve financed your boat. Watercraft and boats are significant assets that need to be safeguarded. An insurance coverage for your boat can shield you and your vessel from situations like
How much is boat insurance?
Numerous factors, like as the boat’s value or cost, where it is stored, optional coverages, and more, affect the cost of insurance. For instance, purchasing yacht insurance for a million-dollar boat might be more expensive than purchasing coverage for a ten-foot single-engine boat.
Getting the lowest may seem like a fantastic idea, but it can end up costing you when you need it most. We can assist you in finding affordable.
How should I compare boat insurance quotes?
To aid in comparison, it’s usually a good idea to obtain several rates. We can assist you in finding what you need, whether your goal is to research rates or get right now. Make sure to examine comparable coverages, limitations, and deductibles when comparing quotes for from various providers.
Is there a discount for taking a boat safety course?
Indeed. If you or a household member have finished an authorized boat safety course, you might be eligible for a Boat Course Discount. As an active member of the US Coast Guard Auxiliary or US Power Squadron, you can also be eligible for a discount.
Please be aware that you must provide a copy of your boat course certificate of completion in order to be eligible for this discount.
Are my boat accessories covered under my boat insurance policy?
Yes, accessories in the boat may be covered under your policy.
Examples of things that can be covered include
- Anchors
- Oars
- Tarpaulins
- Lights
- Cushions
- Life preservers
- Fire extinguishers, and more
