Broad Coverage from Boat Insurance Experts

Marine Insurance Program

For over 45 years, BoatUS has provided affordable boat insurance coverage options for recreational boaters nationwide. Low-cost policies, available for most all boat types, are serviced by dedicated boat insurance experts committed to exceptional policy service, and expert claims handling that gets you back to boating as quickly as possible. Find the right policy for your boating lifestyle:


Complete agreed value protection of your boat, motor and gear, our flagship Yacht Policy is available for most all boat types except Personal Watercraft.

Boat Saver

Basic Actual Cash Value protection of your boat at a lower premium. You can still count on outstanding care from our claims experts 24 hours-a-day, 7 days-a-week.


Enjoy best coverage of your fishing boat & gear with this selection of policies developed just for the avid Angler.


Liability PLUS

Our lowest cost policy option, Liability PLUS provides the essential liability coverage you need without the added cost of complete hull coverage.


Most Jet Ski®, Sea Doo®, or other jet powered crafts aren't covered by a homeowner's policy, so BoatUS developed a PWC policy specifically for safety-oriented PWC owners.

Diminishing Deductibles

Available for all policy types - automatically discounts your deductible by 25% each year you remain claims free -- starting with your first renewal!

Announcing! New Policy Benefits

BoatUS Announces New Underwriter for Boat Insurance Program

BoatUS announces a new insurance company underwriting partner, National Liability & Fire Insurance Company, a member of the Berkshire Hathaway group of insurance companies. Read more

Extended Cruising Areas - Built Into Your Policy!

For offshore cruisers, now you can apply for an extended cruising area for trips to the coastal waters of Canada, Alaska, Mexico and the Caribbean. By selecting an extended cruising area during your policy process, once approved, there will be no need to file an extension each time you leave local waters.

Automatic Pet Injury Coverage

Now included in all boat policies, up to $1,000 in medical payments coverage for your four-legged and furry dog or cat crew, should they become injured in an accident. Read more

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All Policies Include:
  • 24/7 Claims & Dispatch of Assistance
  • Full Salvage Assistance
  • Additional Fuel-Spill Liability
  • Uninsured Boater Protection
  • Liability for Dock Contracts
  • Named Storm Haul-out Coverage
  • FREE Subscription to Seaworthy Damage Avoidance Newsletter
  • Diminishing Deductibles
  • Acclaimed Damage Avoidance program