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Boat Insurance

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 can help you get started with a free boat insurance quote.

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 you should have 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

What does a boat policy cover?

  • 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

What kind of boat can I get covered under my boat insurance?

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 are looking for more information on different types of boats, check out our boat FAQ page.

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
  • Digital dispatch through the BoatUS app and more
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
  • Digital dispatch through the BoatUS app and more
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Is boat insurnace required?

Does boat insurance cover theft?

Boat insurance liability coverage is only mandated in a few states, so always check insurance requirements for the state you’re boating in. Physical damage coverage is required by your lender if you’re financing your boat or watercraft. If you dock your boat, your marina may require liability coverage.

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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.

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