What boat insurance covers

Insure your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft, and collision. The property usually covers the boat hull, boat motor(s), described boat equipment and the boat trailer if requested.

We insure against a variety of perils, including sinking, fire, theft, storms, collision, capsizing, explosion, and stranding.

Types of boats insured

Boost offers boat insurance for multiple water-going types.

  • Runabout/sport boats
  • Cruiser/yachts
  • Sailboats
  • Bass/fishing boats
  • Jet skis
  • Houseboats
  • Kayak/canoe

Boat Liability Insurance coverage

If your boat causes injury to others or damage to other boats, docks, or structures, boat liability insurance has you covered. Injury or damage can be due to direct contact with your vessel or situations caused by your vessel, like large wakes. Boat liability coverage may provide protection against lawsuits, including the payment of settlements and legal fees.

Additional coverages

Additional coverages are automatically included in your base contract. If you have questions or other insurance needs, contact your agent to find out what options are available to you.

Newly Acquired boat

Covers your newly acquired watercraft for damage caused by an insured loss, subject to policy conditions.

Emergency service

Pays up to a certain amount for reasonable costs that you incur resulting from specified emergency service to your boat, motor, or boat trailer. Please reference your policy for details.

Temporary repairs

If damage is caused by a loss insured, we cover reasonable repairs incurred to protect covered property from further damage.

Wreck removal

Pays the reasonable expense you incur for any attempted or actual raising, removal, or destruction of the wreck of your boat when damage is caused by an insured loss and removal, or destruction is required by law.

Optional Coverages

Learn what new optional coverage endorsements are available in your area. Contact your agent to find out.

Boat rental liability

Provides you with peace of mind that you have proper liability insurance when driving a rental boat on a short-term basis, such as a vacation.

Boat rental reimbursement and liability

If your boat is being repaired because of damage covered policy, insurance will help pay the cost to rent a boat. You’ll also have the proper liability insurance while driving the rental.

Incidental commercial fishing

Extends your property and liability insurance if your boat is used for incidental commercial fishing. Business liability is limited to watercraft liability.

Boat rented to others

The Boat Rented to Others endorsement can help pay for property damage, injury and liability claims made against you if your boat is in an accident when rented to others.

Fishing tournament fee reimbursement

If you’re unable to participate in a fishing tournament due to a covered loss to the boat, an auto accident involving the towing vehicle enroute, or a family emergency, the Fishing Tournament Fee Reimbursement endorsement will reimburse you for non-refundable entry fees.

Uninsured/underinsured watercraft coverage

Uninsured watercraft insurance helps pay your medical expenses if you’re in an accident caused by an owner or operator who doesn’t have boat liability insurance or has inadequate liability coverage limits.

How We Save You Money

  • We represent the country’s top insurers
  • One central place to get multiple quotes to make sure you get the right coverage for the most competitive price
  • Guidance to help you understand the different coverages that are suitable for your insurance needs and your budget
  • Only with Boost, you get annual reviews of your policy to make sure your rates stay as low as possible
  • Easy payment options, flexible down payments and personalized service

  • With nearly 10 years of experience, we’re here to help you each step of the way