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Boat Insurance From Boating Experts

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Insuring Boats and Only Boats Since 1966

BoatUS has been wonderful in the recent handling of my claim. The service has been top notch and the staff is both courteous and very knowledgeable. I will never switch insurance companies.
 
 

Agreed Hull Value

The best 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

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

 

Liabilty Only

Our lowest cost 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 lein holder.

 

Add-On Coverages

Available by endorsement including coverage for watersports and fishing gear, personal effects and more. Check out our value-added packages that "bundle" coverages to save you even more!

 

TowBoatUS Towing

Add towing to your policy for as little as $3 a month (price varies by boat size and waterway) includes service for breakdowns, jump starts, fuel deliveries and soft ungroundings. PLUS, insure your trailer and Roadside Assistance is included in your coverage.

 

For over 50 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.

All Policies Include:

 
24/7 Claims Service

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.

 
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.

 
Supplemental Medical

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.

 
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).

 
Premium Discounts

Save with boating safety courses; multi-boat households, membership in U.S. Coast Guard Auxiliary, or Power Squadron, driving records, having GEICO auto insurance and more.

 
 

Policies Developed by Boaters, for Boaters

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