Boat Insurance

Boat insurance is crucial for protecting your investment, whether you're navigating lakes, rivers, or ocean waters across the United States. With GEICO for your boat and BoatUS–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.

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.

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 which include WaveRunners, Sea-Doos and more.
• 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.
• Powerboats are the most popular type of boat used for cruising, watersports, and so much more.
• Sailboats are propelled partly or entirely by sails.

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.

• 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.
• 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
• Are there any boat types that GEICO 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 over 40 years old
  • 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
• 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.
• 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.
• 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.