Sailboat Insurance

Your Sailboat Insurance Solution Starts Here!

Welcome aboard On The Water Marine Insurance, your trusted partner for sailboat insurance. Anchored In Protection, we specialize in safeguarding your sailing haven with tailored coverage. Whether you’re gliding through the azure waters off the coast of Florida, charting a course to the breathtaking beauty of the Bahamas, or exploring other captivating sailing destinations, we’ve got you covered.

From unpredictable weather to unforeseen accidents, our personalized service and expertise ensure worry-free sailing adventures. Explore our comprehensive sailboat insurance options today and set sail with confidence, knowing you’re protected every nautical mile of the way. Join us and embark on your sailing journey with peace of mind!

Coverage options for your Sailboat

  • Agreed Value Coverage

  • Bodily Injury & Property Damage Liability

  • Extended Navigation, including the Bahamas

  • Marina & Yacht Clubs as Additional Insured

  • Captain / Crew Coverage

  • Uninsured/Underinsured Watercraft Bodily Injury

  • Fuel Spill Liability and Wreckage Removal

  • Personal Effects

  • Emergency Assistance & On Water Towing

  • Liveaboard options

Sailboat Insurance FAQ’s

This will vary significantly based on where and how your sailboat will be used. In general terms, you can expect somewhere between 1%-4% of the hull value.

$100,000 boat x 2% = $2,000

This depends on the age of your sailboat

Typically boats that are primarily moored in freshwater will need surveyed if they are over 15 years of age. If they are moored in saltwater, vessels over 10 years of age will require a survey.

Depending on the insurance carrier, at least 1-5 years of previous ownership within 10ft of the boat you are buying. So, if you have previously owned a 29′ boat, your new boat should be no more than 39′.

Large jumps in size may require a captain signs off and/or captains training.

We can provide navigation coverage for the entire U.S. coastline and occasional trips to the Bahamas and Caribbean.

We do have insurance options that will allow for charter usage.

Unlike powerboats, sailboats rely on wind propulsion and often have different handling characteristics. As a result, sailboat insurance policies may include specialized coverage options tailored to these specific needs, such as coverage for sails, rigging, and specialized equipment.

Ready to get started?