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Boat Insurance

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GEICO Boat.U.S

BoatUS and GEICO have teamed up to bring boaters a great boat insurance policy at a great price. Serviced by boating experts, and backed by the nation’s second largest auto insurance company, our coverage options for boaters of all kinds can’t be beat.

Check out our policies and add-on coverage options for a custom policy you can only find here.



Agreed Hull Value

Agreed Hull Value

The best marine insurance protection for your boat, engine and gear. Pays you the most in the event of a claim — the agreed value when you buy the policy for total losses and parts are replaced "new for old." Available for all boat types, excluding PWC.




Actual Cash Value

Actual Cash Value

This boat insurance coverage lowers your premium by paying you the current market price for your boat in the event of a total loss. Recommended for smaller boats, personal watercraft and boats without a lien holder.




Liability Only

Liability Only

Our lowest cost marine insurance policy providing essential liability coverage to protect your assets without the added cost of hull coverage. Includes salvage and wreck removal. Available for boats with no lien holder.




Custom Add-on Coverage Options

Available options (endorsements) for this type of policy will be offered with your your quote. Simply check those you want to create your own custom policy. Note: Options listed here may not be available for all boat types, ages or locations.

$5,000 each incident for rods ($500 limit per rod), reels, tackle, trolling motors and other fishing-specific items, plus tournament coverage with entry fee reimbursement should you miss an event due to a covered claim. Click here for additional information.

Provides liability coverage that may be required by a marina's dock contract. (Select BoatUS Yacht Endorsement to add this coverage to your quote.)

Allows for paid passengers for the purposes of fishing, sight-seeing, or day cruises. Maximum of 6 passengers onboard plus the captain while being used for charter.

Usually excluded, this endorsement provides coverage for damage resulting from ice and freezing. Ideal for boaters in cold-weather climates.

A BoatUS Exclusive - if your claim indicates a possible manufacturer's defect or warranty dispute, we'll provide a professional analysis and report from one of our marine surveyors. (Select Agreed Hull Coverage and BoatUS Yacht Endorsement to add this coverage to your quote.)

Provides a guarantee for claims-related repairs made at an approved facility for as long as you own and insure the boat through BoatUS. (Select Agreed Hull Coverage and BoatUS Yacht Endorsement to add this coverage to your quote.)

This endorsement lowers the deductible for claims relating to the dinghy and/or the dinghy's motor resulting from theft or damage to $100.

This endorsement lowers the deductible for claims relating to navigational electronics to $250.

Provides coverage to the lower unit of the insured outboard engine and outdrive due to mechanical breakdown which is usually excluded in the policy. Available with Agreed Hull Coverage only. Disappearing deductible does not apply. Click here for additional information.

In the event of a total loss, provides the newest model year replacement for boats under two years old. (Select BoatUS Yacht Endorsement to add this coverage to your quote.)

Coverage for personal items such as cell phones, tablets, stereos, sporting equipment, and clothing lost or damaged while on board or while being loaded or unloaded from the boat.

Medical payments for dogs and cats onboard. Available with Agreed Hull Value policies. (Select Agreed Hull Coverage and BoatUS Yacht Endorsement to add this coverage to your quote.)

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. (Select BoatUS Yacht, BoatSaver or PWC Endorsement to add this coverage with your quote.)

Get Unlimited Towing from TowBoatUS at our lowest price - as little as $3 a month for the insured boat. Pricing varies with the length and location of your boat. Click here for additional information.

When you insure your trailer, roadside assistance while trailering your boat is included.

Up to $5,000 per incident for watersports equipment including skis, tow ropes, knee boards, wakeboards, inflatable tubes and scuba equipment. PLUS increased medical payments, automatic ski and wakeboard tournament coverage with entry fee reimbursement should you miss an event due to a covered claim.

Unlimited Towing from TowBoatUS – the Nation’s Largest Fleet

Add Unlimited Towing to your boat policy for as little as $3 a month based on boat size and location.

Easy Payment Options

Paying your insurance premium is quick, easy and affordable with auto-pay and installment payment options. View All Payment Options

For a quote, visit our Online Application or call 800-283-2883 for personal service.

All coverage is subject to terms, conditions, limits and exclusions of the policy. Boat and PWC policies are underwritten by GEICO Marine Insurance Company with administrative offices at 5323 Port Royal Road, Springfield, VA 22151. GEICO Marine Insurance Company carries an AM Best Rating of A+ (Superior) and is domiciled in Chevy Chase, MD. Coverage offered 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. Learn more about the relationship between BoatUS and GEICO.