For over 45 years, BoatUS has provided affordable insurance coverage options for recreational boaters nationwide. Low-cost policies, available for most all boat types, are serviced by dedicated boating 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:

Enhance your policy with these great Add-On Coverages and Extension Options

Yacht Policy Add-ons:
Premier Value Package
Add an assortment of coverage extras to your policy, all for one low fee! Includes increased medical payment limits, additional coverage for your personal effects and much more!


Watersports Package
Up to $5000 in Actual Cash Value coverage for your watersports equipment in one convenient package! Includes increased medical payment limits, automatic tournament coverage and more! (Available with any BoatUS policy, except PWC Policy)


Ice and Freezing Coverage
Normally excluded, this provision allows claims for damages resulting from ice and freezing. Ideal for boaters in cold-weather climates.


Depreciation Waiver
Allows for partial loss repairs or replacement, without depreciation. Available for boats aged 10 years and under.


Personal Effects Coverage
Coverage for non-boating related equipment such as fishing equipment, stereo, water skiing or other sporting equipment, and clothing lost or damaged while on board.


Lower Electronics Deductible
For higher value boats, avoid a full policy deductible for claims related to navigational electronics by purchasing a lower deductible of $250 per incident.


Lower Dinghy Deductible
Reduces your deductible to $100 for claims relating to dinghy or motor theft or damage.


Boat Saver Policy Add-on:

Watersports Package
Up to $5000 in Actual Cash Value coverage for your watersports equipment in one convenient package! Includes increased medical payment limits, automatic tournament coverage and more! (Available with any BoatUS policy, except PWC Policy)


Sporting Equipment Coverage
Covers water skiing, diving, hunting and fishing gear.

Mexican law requires all boaters to provide proof of liability insurance from a local provider. Boating in Mexico requires three types of insurance:

  • 1) Hull Coverage
  • 2) Liability Coverage - issued by a Mexican Insurance provider
  • 3) Automobile Liability Coverage - issued by a Mexican Insurance provider if trailering your boat on land.


In the event of an auto or boating accident, Mexican law requires proof of financial responsibility, which is typically done by showing authorities your insurance policy. Without proof of coverage, your boat and vehicle can be impounded until you prove you weren't at fault. However, the Mexican government will only recognize a Mexican insurer.

The link below will connect you with a bona-fide Mexican insurer working in partnership with BoatUS to provide both boat and auto liability coverage for as little as one day or as long as one year. They'll provide you with the coverage and supporting paperwork so, in the event of an accident, you'll be able to show Mexican coverage.

Click to be taken to our Mexican insurance partner's website and the quote page for your auto. If you would like a boat quote please call them at 1-844-273-5527.

For hull coverage, please note that your BoatUS insurance policy requires a cruising area extension when boating in Mexico. The only exception is for Bass Boat policy holders whose cruising area includes Mexico. You can obtain this extension over the phone by calling BoatUS Policy Services at 1-800-283-2883 as soon as you plan your trip.

Information for Canadian Residents

For boaters with a Canadian residential address BoatUS has teamed up with CNA Canada to offer hull coverage for your recreational boat. Please call toll-free 1-888-755-2888.

ANNOUNCING! NEW POLICY BENEFITS

BoatU.S. Announces New Underwriter for Insurance Program

BoatU.S. 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.

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.
More information on Pet Injury Coverage

All BoatUS Policies Include:

24 Hour Claims & Dispatch of Assistance

Our experienced team of claims professionals will dispatch assistance, utilizing our nationwide network of towers, salvors and surveyors to help policyholders through boating emergencies like fire, sinking, theft or fuel spill containment -- even roadside accidents. Your claim is handled by boating experts committed to outstanding service that gets you back on the water -- fast.

Full Salvage Assistance

Covers you for the full cost of salvage, without a deductible, up to the insured value of your boat at the time of the loss.

$25,000 Supplemental Family Medical Payments

To ensure that you or your family do not incur large out-of-pocket expense if injured onboard, our policies also include an additional $25,000 for payments not covered by any major medical policy. This coverage is in addition to the medical payments limit you select with your policy.

Additional Fuel Spill Liability

In addition to your policy's standard liability coverage, this extra liability protection protects you from claims for clean-up or 3rd-party damage due to the accidental discharge of oil or fuel that can occur in a sinking, fire, collision, grounding, etc. This "green coverage" is crucial now that federal and state laws subject boaters to liability for cleanup, containment, and environmental damage.

Diminishing Deductibles

Receive a 25% discount on your deductible each year you remain claims free, until it reaches $0!
(Begins with your first renewal).

Uninsured Boater Protection

Additional coverage for your injuries caused by a collision where a hit-and-run or uninsured boater is at fault.

Liability for Dock Contracts

A BoatU.S. Exclusive - If you signed a contract to dock or store your boat, it may hold you liable for personal injury or property damage -- even if you are not at fault. BoatU.S. offers this unique coverage to protect you from these liabilities the contract may require you to take responsibility for.

Named Storm Haul-Out Coverage

Covers 50% of the cost (up to $1,000), per event, to professionally haul or protect your boat, in preparation for an NOAA Named Storm in your area. (Not applicable for PWCs).

FREE Subscription to Seaworthy Damage Avoidance Newsletter

Stay safe on the water all season with your free e-subscription to Seaworthy, the quarterly newsletter that turns actual claim case-studies into valuable boat and lifesaving tips. Electronic or paper subscriptions are available for non-insured members for $10/year.

*All coverage is subject to the terms, conditions, limits and exclusions of the policy. Salvage and Wreck Removal excluded on Liability policies for PWC. Please read your policy carefully.

For a FREE quote for our Yacht Policy or any BoatUS policy, visit our Online Application or call toll free, 1-800-283-2883 for personal service.

PLUS Premium Discounts 

for boating safety courses, multiple boat households, and membership in the Coast Guard Auxiliary or Power Squadron.


The BoatUS Marine Insurance Program, 880 South Pickett Street, Alexandria, VA 22304, offers coverage in all 50 states to boat owners with a U.S. address. In California, the program is provided through Boat Association Insurance Services, license #0H87086. All coverage is subject to terms, conditions, limits and exclusions of the policy.

BoatUS Underwriting Companies

BoatUS Insurance Program policies are underwritten by one of three AM Best-Rated insurance companies. Your underwriting company will vary by state of residence. More Information on BoatUS Underwriting

(These pages contain only a general description of coverage. We recommend you read any policy prior to purchase).