Get a free quote
Boat & Yacht Insurance - Let us find your best coverage - coverage for powerboats and yachts
Boat and yacht policies cover the hull, equipment and your liability on the water, plus towing and fuel spill cleanup. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Boat & Yacht Quote Request
Applicant Information:
Have these handy
- Year, make, model and VIN / serial number
- Operators' names, dates of birth and experience
- Where the unit is stored
- Survey for older or larger vessels
Related coverage
Coverage details
What Boat & Yacht coverage includes
Boat insurance protects your vessel, its equipment and your liability on the water. Homeowners policies offer little or no coverage for boats, especially larger or faster ones. We compare marine carriers for everything from fishing boats and pontoons to sailboats and yachts, with agreed value options, navigation areas that match where you cruise, and the liability limits marinas require.
- Hull and machinery - Damage to the boat, motor and equipment.
- Boat liability - Injuries and damage to others on the water.
- Fuel spill liability - Required cleanup costs.
- On-water towing - Towing and assistance on the water.
- Uninsured boater - Injuries caused by uninsured boaters.
- Fuel spill liability - Cleanup costs required under federal law.
- Marina requirements - Liability limits and certificates for slip and storage agreements.
Good to know: agreed value policies pay the full insured amount on a total loss.
Not covered: wear, osmosis and charter use unless endorsed.
Insurance Application:
Boat & Yacht
Required forms
Boat & Yacht Supplemental Application (PDF)
Watercraft supplements (add any that apply)
Personal Watercraft (Jet Ski) (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Boat insurance explained
How boat insurance works
Boat policies cover the vessel itself and your responsibility to others.
Hull and machinery
Damage to the boat, engine and permanently attached equipment.
Boat liability
Injuries and property damage to others while operating your boat.
On-water towing
Towing and assistance if you break down or run aground.
Uninsured boater
Injuries caused by a boater with no insurance.
Medical payments
Medical bills for you and your passengers.
Trailer and gear
Your trailer, fishing gear and personal effects.
Agreed value vs. actual cash value: agreed value pays the amount you set at the start of the policy for a total loss. Actual cash value deducts depreciation. Agreed value usually costs more but avoids surprises.
Pricing
What affects your boat rate
Rating factors
- Boat type, length, age and value
- Engine type and top speed
- Navigation area, including coastal or offshore waters
- Operator experience and boating safety courses
- Storage location and hurricane plan
- Claims history
Discounts to ask about
- Boating safety course completion
- Bundling with home or auto
- Safety equipment such as GPS and fire suppression
- Lay-up periods for winter storage
- Claims-free history
Coastal boats need a hurricane plan. Carriers often require a named-storm plan and may reduce coverage or apply a higher deductible for named storms. Ask us about haul-out reimbursement.
Watercraft options
Find the right watercraft coverage
Start with the boat application, then add any supplement that fits your vessel.
Types of watercraft
Personal Watercraft (Jet Ski)
Jet skis and personal watercraft.
Get a quote Supplemental application (PDF)Related coverage
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.