Is my boat covered under my homeowners policy?
No, your boat is generally not covered under your homeowners insurance. A separate boat insurance policy is needed to protect against accidents, property damage, medical costs, and more. Without proper boat coverage, you may be at risk for significant [...]
What does boat insurance typically cover?
Boat insurance typically covers a variety of risks, including: Physical Damage: This covers repairs or replacement if your boat is damaged by events like storms, accidents, fire, theft, or vandalism. It includes the boat itself, engines, and often trailers [...]
Is boat insurance required by law?
In most states, boat insurance is not legally required. However, it’s always recommended to at least carry liability coverage to protect yourself in case of an accident. If you have a loan on your boat, your lender will likely [...]
Will I need a marine survey to get a quote?
Boat insurance companies have different requirements regarding when a marine survey is needed. Typically, an out-of-water survey is required for boats 27 feet or longer and over 10-15 years of age. However, we offer options that do not require [...]
How much does boat insurance typically cost?
A good rule of thumb is to expect somewhere around 1% of the hull value. For example, for a $100,000 boat, the cost of insurance will be somewhere around $1,000 a year. Keep in mind this can vary significantly [...]