The Boat Insurance Guy
When it comes to protecting your boat, quality coverage and expertise matters. On The Water Marine Insurance is an independent insurance brokerage that specializes in marine insurance. Our primary broker, Eric Fisher (aka The Boat Insurance Guy), has been in the industry for over a decade and insured tens of millions of dollars worth of boats across 15 states. With a 5.0 Rating on Google, and over 1 million boaters reached through Eric’s TikTok page, we are your #1 choice for boat & yacht 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 parter with multiple A rated insurance companies to secure you the best options. You can get quotes from companies like Chubb, American Modern, Travelers, Progressive, Ahoy, and More, all under one roof.
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 (including up to 5 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
- Boats with a Captain or Crew
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.
