Boat Insurance
Manage Your Boat Insurance Policy
GEICO Marine (formerly Seaworthy) Policyholders
- Log in to GEICO Marine to manage your policy or call (877) 581-BOAT (2628)
- Mon - Fri 8:00 am - 10:00 pm, Sat - Sun 8:00 am - 9:15 pm
SkiSafe Policyholders
- Log in to SkiSafe to your policy or call (800) 225-6560
- Mon - Thu 9:00 am - 7:00 pm, Fri 9:00 am - 6:00 pm, Sat 9:30 am - 5:30 pm
Or call us at (800) 841-3005
Need a boat insurance quote?
Existing boat policyholder?
Get a boat insurance policy to protect your investment.
Boat insurance is crucial for protecting your investment, whether you're navigating lakes, rivers, or ocean waters across the United States. GEICO has teamed up with its subsidiary, BoatUS, to provide boat insurance coverage. With GEICO Marine for your boat and optional towing coverage through BoatUSA—the nation's largest group of recreational boat owners—you're backed by a partnership with over 50 years of experience in making boating safer and more enjoyable. If you're looking for affordable boat insurance that doesn't compromise on coverage, GEICO and BoatUS offer options tailored to fit your needs.
Whether you're looking to start a new policy or find savings on an existing one, we're here to make boating better. Get started with a free boat insurance quote today and benefit from competitive rates without compromising on service. Protect your peace of mind and enjoy the waters with confidence, knowing that you have reliable coverage from names you can trust.
Why do you need boat insurance?
A boat insurance policy helps protect you and your boat. If you don't have a separate boat insurance policy, you're probably underinsured. This could mean paying a lot out of pocket for accidents outside your control. Many homeowners policies cover minor boating risks but likely don't cover your needs sufficiently due to:
- Size restrictions
- Limitations on horsepower
- Limits on damage coverage
Boat insurance can provide coverage for:
- Damage to your boat including hull, sails, equipment, and more.
- Fuel spill liability
- Liability to pay for damages and injuries you cause if you hit another boat, person, or dock
- Medical coverage for you and persons in your boat.
- Wreckage removal
Check out our "boating insurance explained" video for more reasons why boat insurance is a smart idea.
Boat Insurance Limits and Deductibles
A deductible is the amount you pay out of pocket before your boat insurance covers a claim. Opting for a higher deductible often lowers premiums, but increases potential costs for the insured in the event of an accident.
Coverage limits are the maximum an insurer will pay for a claim, so it's essential to select limits that reflect your boat's value, usage, and potential liabilities. Claims exceeding these limits could leave you responsible for any remaining costs.
What types of watercrafts are covered by boat insurance?
All boats aren't the same. You need to customize your boat insurance to meet your needs and provide your watercraft with the proper coverage. Here is a list of the most common types of watercrafts.
- Pontoon boats are one of the most popular inland water boats. They are a flattish boat that rely on floats to remain buoyant. Their wide and spacious area is great for many passengers to enjoy the ride.
- Personal Watercraft (PWC) are powered by a water jet pump and the rider generally sits, stands, or kneels on it. There are many types of PWCs, Including WaveRunners, Sea-Doos and more. Having the right boat insurance policy on your PWC can provide the safety and coverage you need.
- Fishing and bass boats are designed and equipped for fishing. Most are powered by an outboard motor and are equipped with power poles, trolling motors, etc. Insuring your fishing boat with comprehensive boat insurance coverage can protect against unexpected damages or accidents. GEICO can also cover your fishing gear, like rod, reels, and tackle.
- Powerboats are the most popular type of boat used for cruising, watersports, and so much more. Protect your investment with a boat insurance quote for your watercraft!
- Sailboats are propelled partly or entirely by sails. Whether you're a weekend sailor or a seasoned navigator, securing boat insurance can provide essential coverage for your vessel.
If you don't see your watercraft listed and are looking for more information on different types of boats and insurance for boats, check out our boat FAQ page.
What does boat insurance cover?
Understanding the different types of boat insurance coverage is crucial for ensuring your watercraft and your finances are protected against on-water incidents. At GEICO, we offer a variety of coverage options to suit every boater's needs, including:
Liability Coverage
Essential for all boat owners, liability insurance covers damages and injuries to others if you're at fault in an accident. This includes costs associated with injuries, property damage, and legal fees.
Hull and Equipment Coverage
Hull and Equipment Coverage protects your boat if it collides with another vessel or object. It also covers non-collision-related damages to your boat, such as those from fire, theft, or storms. Choose a deductible that fits your budget to manage out-of-pocket expenses effectively.
24/7 Boat Towing*
We also offer optional boat towing coverage through TowBoatUS. This coverage assists with towing costs and provides emergency services if your boat breaks down or you get stranded, so you can have peace of mind on the water.
Each type of coverage provides specific protections, allowing you to customize your policy according to your boating lifestyle and the risks you might encounter.
Whether you're a casual weekend sailor or a dedicated marine enthusiast, understanding and selecting the right boat insurance coverages can make all the difference. Choose the boat insurance coverage that best fits your needs and navigate with confidence knowing that GEICO has you covered.
How much does boat insurance cost?
Boat insurance is based on the type of boat, length, number of engines and horsepower, how you use it (recreation, charter, racing, etc.), and how and where it will be stored. All of these factors, including the experience and claims record of the owner/primary operator will factor into the cost of boat insurance.
Boost Your Savings With our Boat Insurance Discounts
GEICO offers several boat insurance discounts to help make coverage more affordable for boat owners. Some discounts include:
Multi-Policy Discounts
Save on boat insurance by bundling it with your GEICO Auto or additional GEICO Marine policy.
Boat Safety Courses
Discounts are available for boaters who have completed an approved boating safety course such as State Certified Safety, American Sailing Association Course, U.S. Power Squadrons, Charter Boat Captain's License, BoatUS Foundation's Online Boating Safety Course, and U.S. Coast Guard Auxiliary.
Secure Your Boat Insurance Today
Don't wait until it's too late to think about protecting your boat. At GEICO, we offer tailored boat insurance policies designed to meet the unique needs of every boater.
Take action now! Get a free, no-obligation quote today, or speak directly with one of our specialists. They're available to answer your questions and guide you through your policy options, ensuring you have the perfect coverage for your boating lifestyle.
Call Us: (855) 395-1412
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Mon - Fri8:00 AM - 10:00 PM (ET)
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Sat - Sun8:00 AM - 9:15 PM (ET)
Boat Insurance FAQ
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Is boat insurance required?Boat insurance liability coverage is only mandated in a few states, so always check insurance requirements for the state you're boating in. Physical damage coverage is required by your lender if you're financing your boat or watercraft. If you keep your boat at a marina, the marina may require you to have liability coverage.
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What type of coverage does boat insurance provide?Boat policies can provide coverage for:
- Damage to your boat including hull, sails, equipment, and more.
- Fuel spill liability
- Liability to pay for damages and injuries you cause if you accidentally hit another boat, person, or dock
- Medical coverage for you and persons in your boat.
- Wreckage removal
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Are there any boat types that GEICO Marine will not insure?
There are some types of watercrafts that are not eligible for a GEICO boat policy including but not limited to:
- Airboats, amphibious land boats or hovercraft
- Boat with more than 4 owners
- Boats over 50 feet in length
- Boats valued over $2,500,000
- Floating homes
- Homemade boats
- Houseboats that do not have motors
- Steel hulls
- Wooden hulls
- Watercraft previously deemed a constructive total loss
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Does boat insurance cover theft?Our Agreed Hull Value, and Actual Cash Value policies protect against damage to your watercraft from incidents out of your control, including theft. A special theft deductible may apply.
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How do I make a payment or manage my boat insurance policy?Managing your boat insurance policy and making payments is easy in the BoatUS app. You can also manage your policy or make payments online, or by calling (800) 283-2883.
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How do I report a claim on my boat insurance policy?You can report your claim through the BoatUS app. Claims can also be reported online, or by calling (800) 937-1937.
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Does homeowners insurance cover boats?Most homeowners insurance does not cover boats, and if it does, it often has restrictions regarding vehicle size and horsepower. To protect your boat from theft, accidents, and damage from fire or lighting, you need boat insurance. Boat insurance may also provide liability coverage if you accidentally injure someone or damage their property with your boat.
GEICO has teamed up with its subsidiary, BoatUS, to bring boaters a policy developed by specialists, with the great service you expect from GEICO. Policies are underwritten by GEICO Marine Insurance Company. BoatUS—Boat Owner's Association of The United States—is the nation's largest association for recreational boaters providing service, savings and representation for over 50 years.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Some discounts, coverages, payment plans, and features are not available for all customers, in all states, or in all locations.
*Boat and PWC coverages are underwritten by GEICO Marine Insurance Company. The TowBoatU.S. Towing Coverage Endorsement is offered by GEICO Marine Insurance Company, with towing services provided by the BoatU.S. Towing Program. Towing coverage only applies to the insured watercraft.