Boat Insurance

Not always. However, there are many reasons to get it and some scenarios where it will be required. It will protect your boat in case of damage and protect yourself in case of liability. If you’re financing your watercraft, carrying boat insurance is probably required as part of your financing agreement. Even if you paid cash for your boat, you don’t want to lose that sizable investment if an accident occurs. Marinas or storage facilities may also require you to have insurance in case you or your boat cause damage to their property or another boat.

Buying boat insurance online with Insurance Store is quick and easy. Our purchase process is designed to get you from quote to covered with just a few clicks. Just answer a few questions about yourself and your boat, how you use it, and any coverage options you want to include, like equipment or clothing. You’ll then get customized quote package options with a breakdown of what’s included, which you can pay by Visa, Mastercard or American Express. 

We’re not going to judge you for insurance shopping at 2 am. Heck, that’s why we’re here. Insurance your way means you can get coverage wherever you are, any time of day or night.

To get the best price and the right coverage, we’ll need some basic information about you and your boat. It’s okay, they’re not super hard questions or anything. Questions may include:

• When would you need your coverage to start?

• What is the boat or watercraft’s size, age, make, model and value?

• What type of engine does your boat have?

• What is the location and nature of use?

• How do you store your boat?

• Do you have any other equipment or personal effects you want to cover?

• What is your insurance and claim history?

If you don’t have all the info you need to complete your purchase, just click on “Save & Continue” at the bottom of the screen and type your email address in the prompt. We’ll send you a personalized link so that you can pick up where you left off. 

If you answered our questions but didn’t get a quote, talk to one of our insurance Specialists. They’ll be sure to get you the right coverage. Each package is unique, and some may have more complex insurance needs. Start your quote online now and feel free to contact us if you have questions.

Our online boat insurance coverage is totally customized for you, based on your boat and your needs. The cost of your specific policy depends on factors like: 

• The type of boat you have

• The make and model of your boat

• How and where you use your boat

• Where you store your boat

• Any optional coverages you add to your policy, like personal effects coverage or your trailer and boat lift

Boat insurance covers your boat after an accident, including your equipment, sails, and hull. It’ll protect you from accidental boat damage and personal injury (liability) situations.

It can cover a wide range of personal vessels, such as:

• Sailboats

• Pleasure craft boats

• Pontoons

• Cruisers

• Personal watercrafts, like ski-doos and jet skis

You can also cover your personal effects like a trailer, boat lift or fishing gear.

Heads up! For commercial boating insurance, like tour operations or hauling, you’ll need a different type of coverage. Contact our insurance Specialists today to help you obtain the coverage you need.

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at 1-833-745-0299 and we’ll be here to help you navigate the situation, 24/7.