Premium Boat & Yacht Insurance Backed by Strength and Flexibility
When it comes to protecting your boat, quality coverage and expertise matters. Through our partnership with American Modern Insurance, you get access to one of the most respected marine insurance companies in the country; rated A+ by AM Best for financial strength and reliability.
Whether you own a runabout, pontoon, cruiser, or high-performance vessel up to 64 feet and $2 million in value, American Modern offers comprehensive protection designed specifically for your boating lifestyle. With coverage available for boats reaching speeds up to 120 mph, you’ll have the confidence to enjoy the water knowing you’re backed by a trusted name in marine insurance.
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?
At On The Water Marine Insurance, you’re not getting cookie-cutter coverage. When you request a quote we’ll collect a few details and personally create a tailored quote for your vessel. You’ll receive a custom video proposal directly from me, walking you through the coverage, options, and recommendations, so you can make a confident, informed decision.
Who is providing this insurance?
We’ve partnered with American Modern Insurance because they share our commitment to quality and reliability. With an A+ (Superior) Financial Strength Rating from AM Best and decades of marine insurance experience, American Modern insures anything from bass boats to yachts. They’re one of the best in the business, and that’s exactly who we choose to work with.
Will I need a survey for my boat?
Depending on your boat’s age or type, a marine survey may be required. If that’s the case, we’ll help you navigate the process every step of the way. Our goal is to make sure your coverage fits your boat, your lifestyle, and your expectations—with zero surprises.
What kind of boats do we insure?
- Wake Boats
- Center Consoles (up to 4 engines)
- Performance Boats
- Sport Fishing Boats
- Sailboats (including Catamarans)
- Cruisers / Motor Yachts
- Bass Boats / Walleye Boats
- Pontoons / Tritoons
- Lifetime Agreed Value Coverage
- Extended Navigation Options Available
- Ensuing Loss / Consequential Damage Included
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 did a fantastic job getting my boat insured i can’t thank him enough. Great service great company!!
Chris C.
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.
We Make It Easy
At On The Water Marine Insurance, boat insurance is all we do and we do it right. Our process starts with a short online form, and from there, we take care of the rest. Every quote is handled personally by a marine insurance specialist (that’s me), and you’ll receive a custom video walkthrough explaining your coverage options in plain terms.
No pressure, no guesswork—just expert guidance and high-quality protection from one of the top marine insurance companies in the country. Whether you’re insuring your first boat or upgrading to something bigger, we’re here to make it simple, smart, and stress-free.