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.
Unlimited Towing by TowBoatU.S. – provides payment directly to our
tower or service provider, or up to $3,000
in reimbursement. Service
- 24/7 dispatch
- Water towing
- Battery jumps
- Fuel delivery
- Soft ungroundings
level of towing service for reimbursement
of up to $250
per incident for water towing or roadside assistance when trailering
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
- Fuel delivery
Select trailer coverage for
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.
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.
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.
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.
Additional coverage for Sporting Equipment carried aboard the
boat, such as water skis, fishing rods, scuba gear, and hunting decoys.
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!
Enter the overall length of your boat rounded to the nearest foot.
Click the icon for more information
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.
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.
Select the cruising area that best suits your needs.
What person or entity is the titled owner of the boat?
If the owner will be operating the boat as well, please list them here.
Providing your social security number will allow us to give you our lowest rates.
The number of years operating boats in general.
Years of Boat Ownership
The number of years owning a boat.
Select the organization(s) the operator is a member of, or select “none.”
Only include boating events occurring in the last 3 years.
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 include important information regarding your insurance policy and/or Membership and Towing Services. Alerts will be sent via text or SMS at the mobile number provided.
- Payment Notifications
- Payment Confirmations
- Auto-pay Notifications
- Renewal Reminders
Hull Identification Number
Click the icon for more information
24' or greater power boat, contains a cabin/sleeping berth, head and galley.
23' or less power boat with an open bow or small cabin.
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.
A vessel using sails and wind for propulsion that may or may not have an outboard engine.
A flat bottomed vessel built on two pontoons. A tritoon boat has a third pontoon in the middle.
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.
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.
A sailboat with 2 or 3 hulls. Also called a catamaran or triamaran.
A powerboat with 2 hulls. Also called a power-catamaran.
Powerboat with a low freeboard, outboard engine and platform for fishing.