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Before making your decision, get at least three quotes from different companies and compare them. Consider the benefits that each company can offer you. Some companies may include services in their policies that others offer as additionals, such as coverage for your boat trailer, towing services, wreckage removal, or fuel spill coverage.
Nonetheless, there are a variety of discounts that companies can apply to help you lower policy costs. Popular discounts include savings for bundling multiple policies, taking a boating safety course, or installing protective devices in your boat.
Before choosing an insurance policy, be it for cars, homes, or boats, you should verify if the company will be able to pay out claims in the future. Another thing that can guide your decision of whether or not to purchase a policy from a given company is checking their reputation among customers. You can do this by looking for patterns in complaints and at customers' overall satisfaction, ratings, and comments in customer review websites. This could result not only in liability expenses and boat repairs, but in medical expenses if someone onboard gets hurt.
The same annual report shows that the top five factors contributing to accidents had to do with operators' inattention, improper lookout, inexperience, excessive speed, and alcohol use. Boat owners also encounter other non-accidental incidents in the water such as breakdowns, motor malfunctions, or even fuel spillage�events that may leave you stranded, and requiring specialized services that boat insurers can cover for you.
So while sailing is full of adventures, it also poses many hazards for you and your boat. Therefore, the matter in question is not whether you need boat insurance or not, rather what type and how much coverage you should get. Boat insurance providers offer physical damage coverage in two primary ways: actual cash value and agreed value. Out of the two, an actual cash value policy will be the least expensive, because it covers the current value of your boat at the time of the accident, minus any depreciation.
Whereas an agreed value policy will cover the amount listed in your policy, as agreed with the insurer at the moment of purchase regardless of how the parts might have lost value over time.
Policy coverage options vary depending on the insurer, nonetheless, companies usually feature services such as:. Liability Coverage: Usually, the most basic coverage. It protects you from at-fault damages caused to another boat or property. Medical Payments: Medical coverage will pay out for medical expenses that you or any passenger onboard experience as a result of an accident. Salvage: Salvage coverage is also known as wreckage removal.
Simply put if your boat wrecks in the water, the insurer will pay salvage costs. This type of coverage will protect you from expenses resulting from accidental contamination. Most insurers also offer additional coverage options that may come handy in specific situations:. In-water towing services for whenever you need to tow your boat back to land.
Roadside assistance for whenever you experience problems on the road while hauling your boat, such as gas delivery or towing your vehicle and boat to a repair shop. Haul-out to cover haul-out expenses whenever you need to transport your boat to an event or a safer place before a storm. This means that finding the right policy for you will mainly depend on four factors: first, the type of boat you have, second, what you use it for�fishing, sports, recreation with family or friends, etc.
If your intention is purchasing a well-rounded boat insurance policy, it should at least feature some type of liability coverage, collision, and medical payments. These three options will cover damages caused to property, physical damages to your boat, and medical expenses for you or passengers. Adding extra coverage to your policy such as towing and roadside assistance can also come in handy.
Keep in mind that sometimes companies include services in their policies that others offer for an additional cost. In order to find the best policy and price, you should at least get three quotes from different companies and compare what coverage and services they feature in their policies.
A variety of factors influence boat insurance rates; that includes type, length, speed, and age of the boat, as well as your age, boating experience, and credit history.
Typically, depending on whether you are considered a high-risk or low-risk boat operator, insurers offer multiple ways to lower your policy rate. Just like car insurance companies reward experienced drivers with a clean driving record, insurers are more likely to reward boat operators who take the most safety precautions with their boats.
Each company offers popular discounts that can help you keep money in your wallet. Most companies apply discounts for:. Boating Education Course : insurers like it when you show them that safety comes first. Multi-Policy Discount : bundling is an easy way to save money. Many companies give you a discount when you include your boat with your homeowners, life, or car policy.
Multi-Boat Discount : having more than one boat listed in your policy can translate into another discount. Payment method : another way to save money is to pay in full or sometimes subscribing to automatic payment.
Loss-Free Renewal : some companies may offer you discounts on your deductible every time you renew your policy without having filed claims. Currently, only three states�Arkansas, Utah, and Hawaii� required boaters to have boat insurance.
However, regardless of whether or not it is mandatory, every boat owner should get one, especially considering the many navigational hazards you can encounter on the water. Sometimes homeowners insurance policies include boat protection. Nonetheless, these policies often offer limited protection for your boat and treat it as any other personal property. This will depend on the type of boat insurance you have. In most cases, insurers will cover physical damages that your boat or trailer if duly insured may have experienced as a result of an accident while hauling your boat.
In most cases, insurance companies cover passenger injuries if your policy includes collision or medical payments coverage. Make sure to ask your agent before signing on the dotted line. About us Careers. Login Sign Up. Personal Finance.
Sign Up. About us. Many or all of the companies featured here provide compensation to us. These commissions are how we maintain our free service for consumers. Learn More At ConsumersAdvocate. Last Updated: March 31, Our Team of Researchers:. Our Site is Referenced By. Consumer Advocacy. Share on:. Search for companies that offer discounts�multi-policy or others. We favored companies with a wide range of discounts.
Customer Experience. We chose insurers with excellent financial strength to ensure they have the capacity to meet their insurance obligations. Helpful Not Helpful. We receive compensation from these partners , which impacts the order they appear on the page.
That said, the analyses and opinions on our site are our own and we believe in editorial integrity. The following companies are our partners in Boat Insurance:. Progressive review. Most Comprehensive Although well-known for their car insurance products, Progressive also offers comprehensive boat insurance for different types of boats�fishing boats, pontoon boats, powerboats, personal watercraft, and sailboats. Screenshot Progressive. BoatUS review. Screenshot Boatus. Chubb review.
Best for Yachts Chubb is a premier yacht insurance provider and one of the largest publicly traded property and casualty insurers in the world with locations in 54 countries. They provide all-risk protection for yachts between feet in length. Screenshot Chubb. National Boat Owners Association review. Best for Memberships National Boat Owners Association is a nationwide boat insurance company that offers boat owners access to their membership club program and to insurance options from top-rated marine underwriters.
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