Boat insurance helps you enjoy peace of mind as you navigate your boat or personal watercraft (PWC). So if you travel across lakes, rivers, or ocean waters of the United States we can help. Whether you’re looking for a new boat insurance policy or just to save money on an existing policy, we’re can help you get started with a free boat insurance quote.

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Boat Insurance FAQS

Make boating better, together. Experience and a name you can trust go a long way when you’re shopping for boat insurance. That’s why the GEICO Marine Insurance Company has teamed with BoatUS, the nation’s largest group of recreational boat owners. Since 1966, BoatUS has been helping to make boating safer, more affordable, and fun. Together, we share a passion for all things boating.

We all want cheap boat insurance rates, but customer service is what matters. Protect your investment with boat insurance you can count on and get your free online boat insurance quote today.

Why do you need boat insurance?

A boat insurance policy helps protect you and your boat. If you don’t have a separate boat or personal watercraft insurance policy, you’re probably underinsured. Most homeowners policies have:

• Size restrictions
• Limitations on horsepower
• Limits on damage coverage

Boat policies can provide coverage for:

• Damage to your boat including hull, sails, equipment, and more.
• New boat replacement
• Fuel spill liability
• Liability to pay for damages and injuries you cause if you hit another boat, person, dock
• Medical coverage for you and persons in your boat.
• Wreckage removal

Customize Your Boat Insurance Coverage

All boats aren’t the same. You need to customize your boat insurance to meet your needs and provide your watercraft with the proper coverage. Here is a list of the most common types of watercrafts.

• Pontoon boats are one of the most popular inland water boats. They are a flattish boat that relies on floats to remain buoyant. Their wide and spacious area is great for many passengers to enjoy the ride.
• Personal watercraft (PWC) are powered by a water jet pump and the rider generally sits, stands, or kneels on it. There are many types of PWCs which include WaveRunners, Sea-Doos and more.
• Fishing and bass boats are designed and equipped for fishing. Most are powered by an outboard motor and are equipped with power poles, trolling motors, etc.
• Powerboats are the most popular type of boat used for cruising, watersports, and so much more.
• Sailboats are propelled partly or entirely by sails.

If you don’t see your watercraft listed and looking for more information on different types of boats here?

What does boat insurance cover?

A policy insures your boat against damage and loss caused by common risks, such as collision, fire, storms, and theft. Boat insurance may also help protect you if you accidently injure someone or damage their property with your boat.

Service and Claims

When you choose GEICO Boat Insurance, you have access to:

• Licensed agents as passionate about boating as you are
• Expert service including 24/7 claims handling and towing
• Experience you can rely on

24/7 Boat Towing*

GEICO Marine Insurance Company has teamed with TowBoatUS, the nation’s largest towing fleet to provide:

• 24/7 boat towing assistance
• On the water towing services provided by TowBoatUS
• Fuel delivery services and more
• Digital dispatch through the BoatUS app and more

Personal Watercraft (PWC) Insurance Coverage

You can get a boat policy for your PWC. Typical PWC insurance coverage includes:

• Damage to another craft or dock
• Physical damage to your watercraft
• Towing assistance

How much does boat insurance cost?

The cost of boat insurance is based on the type of boat, length, number of engines and horsepower, how you use it (recreation, commercial charter, racing, etc.), and how and where it will be stored. All of these factors, including the experience and claims record of the owner will factor into the cost.

You could save even more with these boat insurance discounts.

We know discounts and our watercraft insurance agents can help you get them.

Multi-Policy Discounts

If you’re a current GEICO Auto Insurance policyholder, you could save on your boat insurance.

Boat Safety Courses

We know that safety comes first when you’re having fun on the water. When you pass boat safety courses, you could save money on your boat insurance.