Boat & Yacht Insurance

Your leader in marine insurance

Specializing in marine insurance with over a decade of experience, we represent the best marine insurance companies like Chubb, American Modern, Travelers, Ahoy!, Progressive & many more.

Any Boat Type

Because our team sources policies from multiple insurance companies, we are able to find the best coverage for virtually any boat from Center Consoles to Wake Boats and from Luxury Yachts to Personal Watercraft. Fill out a simple quote form that will take less than 5 minutes and our team will get to work finding you the right coverage.

Want to talk to someone now? Give us a call at (513) 653-3800.

Boat Insurance FAQs

  • Is boat insurance required?

    Most states do not require you to carry boat insurance. If you financed your boat or have it moored at a marina, you most likely are required to carry some form of liability insurance. To protect yourself and your loved ones on board, we recommend carrying boat insurance 100% of the time.

  • How much does it cost?

    A good rule of thumb is to expect somewhere around 1% of the hull value. For example, for a $100,000 boat, the cost of insurance will be somewhere around $1,000 a year. Keep in mind this will vary based on many different factors such as where the boat is used, your boating experience and many other factors.

  • Does it cost more to use an agent?

    No. In fact, when you use a specialized marine insurance agency, we can most likely save you money!

What makes us different?

Our Background

Our expertise in the boat and yacht insurance market provides you with the most comprehensive coverage available.

Our Access

We can write what the other groups can’t. Have an airboat? Older boat? Charter Boat? We have markets for all of that and more!

Our Client Experience

Insurance is confusing and no two policies are the same. This is why we provide a video proposal for every client that you can review at any time. We explain coverage, discount options, and ways to save money. You no longer have to take time to drive to an insurance office, when you get the same experience from your kitchen table!

Coverage options for your vessel

  • Agreed Value Coverage — Watercraft depreciate just like cars. Actual cash value policies can make it difficult to replace a vessel that has been stolen or destroyed. Agreed Value means that if your vessel is a total loss, you will get the value you insured it for, minus any deductible.

  • Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

  • Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $25,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • Physical Damage Coverage — Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

  • Uninsured/Underinsured Watercraft Bodily Injury — Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • Fuel Spill Liability and Wreckage Removal — Should your vessel sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the vessel owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

  • Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.

  • Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the vessel is disabled while on the water.

Are you in the market for a good pre-owned boat? Protect yourself with a Boat History Report before buying!

Ready to get started?