Boat & Yacht Insurance Specialists

Fast. Simple. Secure. Anchored in Protection
  • Proven Experience

  • Coverage for all boat types
  • Easy Quote Process
  • Independent Marine Insurance Broker

Why Using a Marine Insurance Broker is Better

When it comes to insuring your wake boat, high-performance vessel, or luxury yacht, working with a marine insurance broker offers a major advantage. Instead of navigating confusing paperwork or calling multiple companies that don’t understand boats, you only need to shop once with us. We specialize in finding fast, tailored coverage for center consoles with triple or quad engines, performance boats, motor yachts, and more!

By using On The Water Marine Insurance, you get expert guidance, access to more insurance companies, and peace of mind knowing your boat is fully covered by professionals.

Boats We Insure

Yacht

Yachts & Cruisers

Larger vessels require unique coverage including extended navigation, fuel spill, captain, & crew coverage. Our team has the expertise for your Luxury Yacht, Cruiser, Motor Yacht, or Sailboats.

Sport Fishing boat

Fishing Boats

Coverage for your boat, your fishing gear, electronics, & your trailer. We write coverage on all types of fishing boats including Sport Fishing Boats, Bass Boats, Center Consoles, & more. Coverage options available for Charter Captains and Fishing Guides.

Performance Boat

High-Performance Boats

Accepting Performance Boats up to 120mph, our team has the expertise to get you there right coverage for your vessel. Coverage includes agreed value, countrywide navigation, and allowances for occasional poker runs.

Family on Wake Boat

Family Boats

You bought your boat for your family. Let us take the care of the coverage while you enjoy the adventure. We have multiple markets for Wake Boats, Cruisers, and other family style boats.

5.0 Rated on Google! Here is what our customers are saying.

Efficient and friendly service! Eric Fisher is highly skilled and knowledgeable of all types of boating insurance. He exceeded all of my expectations! Very happy customer!

Gregg D.

Eric is your guy when it comes to watercraft insurance needs! He worked very hard to understand our needs and provide best possible protection for us. The process was seamless.

Sheri Z.

Eric Fisher has been very helpful in getting all of the insurance for the boat. Very friendly on the phone. I would highly recommend him as an agent.

Paul G.

Your Questions Answered

How much does boat insurance cost?

A good starting point is about 1% of your boat’s hull value. For example, if your boat is valued at $100,000, you can expect annual premiums around $1,000. However, the actual cost will vary based on factors like your boat’s age, type, usage, and coverage options. We’ll help you find the best policy that fits your needs and budget.

How does quoting work?

It’s simple! Just provide some basic information, and we’ll create a custom video proposal walking you through your coverage options. We believe in taking the time to educate our customers, and this personalized approach sets us apart from other agencies. You’ll get a full breakdown of the coverage that fits your boat, helping you make an informed decision with confidence.

Which insurance carriers do you represent?

We partner with top-rated marine insurance carriers like Chubb, Travelers, Progressive, American Modern, and Ahoy, offering specialized coverage for everything from small runabouts to performance boats and yachts over $1 million in value.

Will I need a survey for my boat?

For most boats, a marine survey isn’t necessary. However, if your boat is over 15 years old, some carriers may require one. We can normally provide insurance quotes to you without needing the survey, so you will know your estimated cost before getting a survey completed.

We Make It Easy

As an independent marine broker, we work for you—not the insurance companies. That means you only need to shop once with us, and we’ll shop with multiple carriers on your behalf to find the best coverage and price for your boat. Our online quote form takes less than 5 minutes to complete, and you’ll have an expert in marine insurance guiding you every step of the way—at no extra cost to you.

All quotes are no-risk, no-obligation, and completely free. You get the advantage of exploring your options without any pressure.

Coverage You Can Trust

By working with us, you’ll have peace of mind knowing your boat is fully protected by coverage tailored to your needs. Whether you’re cruising, fishing, or racing, your investment will be safeguarded by top-rated marine insurers. You’ll also have the added assurance that you’re getting the best possible price, thanks to our ability to shop across multiple carriers.

With our personalized approach, expert guidance, and a clear understanding of your coverage, you can hit the water knowing you’re protected—no surprises, no gaps in coverage, just smooth sailing ahead.