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Coverage Start Date

This is the date your coverage will begin.

Agreed Hull Value Coverage

The most protection you can buy. If the boat is a total loss, the policy pays the boat’s value at the start date. For partial losses, policy pays the cost of repairs and replacement parts with depreciation beginning when boat reaches 20 years of age.

Actual Cash Value Coverage

A coverage option for less premium, and more out of pocket expenses for claims. If the boat is a total loss, the policy pays the boat’s current market value. For partial losses, policy pays the cost of repairs and replacement parts with depreciation beginning when boat reaches 20 years of age.

Liability Only Coverage

The lowest cost option providing no hull coverage but does cover the essential medical, liability and salvage coverage all boaters need.

BoatUS Yacht Policy Endorsement

Adds a Lifetime Repair Guarantee, $25,000 per person in Supplemental Family Medical Payments, Investigative Services for Manufacturer's Defects, Pet Injury Coverage, Dock Contract Liability (may be required if your boat is at a marina) and New Boat Replacement (for boats under one year old).

Angler (Fishing Gear) Endorsement

Adds $5,000 each incident for rods, reels, tackle, trolling motors and other fishing-specific items, plus tournament coverage.

BoatUS Boat Saver Endorsement

Adds Dock Contract Liability (may be required if your boat is at a marina), and $25,000 per person in Supplemental Family Medical Payments.

BoatUS Personal Watercraft Endorsement

Adds a Lifetime Repair Guarantee, Dock Contract Liability (may be required if your boat is at a marina), and $25,000 per person in Supplemental Family Medical Payments.

TowBoatU.S. Towing

Unlimited Towing by TowBoatU.S. – provides payment directly to our tower or service provider, or up to $3,000 in reimbursement. Service includes 24/7 dispatch, water towing, battery jumps, fuel delivery and soft ungroundings. Select $250 level of towing service for reimbursement of up to $250 per incident for water towing or roadside assistance when trailering your boat. NOTE: With your insured trailer, Roadside Assistance is included for breakdowns while trailering your boat. Covers 24/7 dispatch, towing up to 100 miles, flat tires, battery jumpstarts and fuel delivery. Select trailer coverage for Roadside Assistance to be included in your policy.

Named Storm Deductible

For boats in TX, LA, MS, AL, FL, GA, NC, SC, Bahamas, Caribbean or Mexico: For partial or total losses caused directly or indirectly by a National Oceanic & Atmospheric Administration (NOAA) named storm, the deductible will be the greater of $1,000, or 5% of the boat’s insured value.

Boating Liability

Coverage for third party property damage or bodily injury, caused by you or your boat.

Fuel and Spill

Provided in addition to policy’s liability coverage, this covers discharge of oil or fuel occurring during a sinking, fire, collision, or grounding. Important coverage as many federal and state laws hold boaters accountable for cleanup, containment, and environmental damage.

Family Medical Payments

Covers out-of-pocket medical expenses for injuries to family members occurring onboard.

Personal Effects

Coverage of non-boating related items you carry on board, such as clothing, cameras, computers and fishing or watersports gear.

Uninsured Boater Protection

Provides coverage for injuries caused by an uninsured boat or "hit-and-run" boat.

Commercial Towing Assistance

Reimbursement coverage for commercial tow to port for breakdowns at sea.

Lower Dinghy Deductible

Reduces the Hull and Equipment deductible for dinghy and outboard claims to $100. Available for dinghy < 15ft. and < 40hp used strictly as tenders. Boats larger or used for other purposes require a separate policy.

Lower Electronics Deductible

Reduces the Hull and Equipment deductible to $250 for claims related to the boat’s navigational electronics.

Ice & Freezing

Coverage for damage from ice or freezing. No additional premium for boats stored or used in AL, AZ, CA, FL, GA, HI, LA, MS, NM, NC, OR, SC, TX and WA.

Water Sports Package

Adds $5,000 in coverage for water skis, wake boards, scuba equipment, inflatables and tow ropes plus an extra $5,000 in medial payments and automatic tournament coverage.

Premier Package

A package of valuable extras for one low price including $10,000 per incident Medical Limits, $5,000 in Personal Effects Coverage, a lowered Electronics Deductible (to $250), and Ice and Freezing coverage.

Sporting Equipment

Additional coverage for Sporting Equipment carried aboard the boat, such as water skis, fishing rods, scuba gear, and hunting decoys.

Membership Selling

Policyholders are invited to join BoatUS, Boat Owner’s Association of The United States, at a special discounted rate. Benefits include: six issues of the award-winning BoatUS Magazine, discounts on fuel, slips and repairs at participating marinas, discounts on boat graphics and lettering, travel discounts, representation on Capitol Hill and much more! See why over half a million Members know it pays to belong to BoatUS!

Boat Length

Enter the overall length of your boat rounded to the nearest foot.

Hull Type

Click the icon for more information

Engine Type

Outboard: A detachable, self-contained engine mounted on the boat's stern.

Inboard/Outboard: The engine is contained inside the boat, but the drive shaft connects to the outdrive through the hull.

Inboard: Common on ski boats and cruisers, the engine is contained inside the boat and the drive shaft goes through the bottom of the boat.

Jet: An inboard motor drives a jet pump that discharges water behind the boat.

Boat Value

Enter the total value of the boat, engines, and attached equipment rounded to the nearest dollar. This does not include the value for the Trailer.

Cruising Area

Select the cruising area that best suits your needs.

Owner Type

What person or entity is the titled owner of the boat?

Owner Operator

If the owner will be operating the boat as well, please list them here.

SSN

Providing your social security number will allow us to give you our lowest rates.

Owner Experience

The number of years operating boats in general.

Years of Boat Ownership

The number of years owning a boat.

Active Memberships

Select the organization(s) the operator is a member of, or select “none.”

Claims Information

Only include boating events occurring in the last 3 years.

Driving Violations

Include events occurring in the last 3 years. Do not include seat belt or cell phone violations.

Auto Payment Signup

Set up automatic premium payments through our secure one-step process. If you pay premiums in installments, fees are waived with Auto Pay.

Hull Configuration Changed From Original Manufacturer

Examples include :
  • Hull Extensions
  • Power Conversions (e.g. Converting an inboard-powered boat to an outboard-powered boat)
  • Removing/altering structural bulkheads
  • Adding permanently installed waterslides or pool slides
  • Homemade boats

Engine Horse power Changed From Original Manufacturer

  • Outboards : Repowering or adding horsepower beyond the hull manufacturer's specifications
  • Inboards and Sterndrives : Any performance modifications to the engines; including repowering or adding horsepower beyond the hull manufacturer's specifications

Manufacturer Not Listed

Can't find your manufacturer listed? Enter the manufacturer name to continue your quote.

Watercraft Model Not Found

Can't find your watercraft? Choose the closest model to your boat or Other.

Text Alerts

Text Alert Benefits include important information regarding my insurance policy and or towing membership account via text or SMS messages at the phone number I provided.

Type of Alerts:

  • Payment Reminders
  • Auto-pay Pre-charge Notifications
  • Payment Confirmations
  • Renewal Reminders

Hull Identification Number

Click the icon for more information

Boat Types

Cruiser

24' or greater power boat, contains a cabin/sleeping berth, head and galley.

Runabout

23' or less power boat with an open bow or small cabin.

Auxiliary Sailboat

A vessel using sails and wind for propulsion with an inboard engine.

Personal Watercraft (Jet Ski, Ski Doo)

Small water jet powered craft operated by sitting, standing or kneeling on the watercraft.

Sailboat

A vessel using sails and wind for propulsion that may or may not have an outboard engine.

Pontoon Boat

A flat bottomed vessel built on two pontoons. A tritoon boat has a third pontoon in the middle.

Trawler

Similar to a cruiser, a power boat with a displacement hull that pushes through water instead of planing on top of it. Usually powered by a diesel engine.

Houseboat

30' to 80' power boat or larger, broad beam, shallow draft, large structure on pontoons or on a regular vee hull. Constructed for operation on inland or protected waterways.

Multi-Hull Sailboat

A sailboat with 2 or 3 hulls. Also called a catamaran or triamaran.

Multi-Hull Powerboat

A powerboat with 2 hulls. Also called a power-catamaran.

Bass Boat

Powerboat with a low freeboard, outboard engine and platform for fishing.