Insuring a boat can be complicated. In many cases it can be even more complex than insuring a house or a car. Your driving record can impact your boat insurance, but so can your geographic area. Frequent usage can drive your rates up, while taking a safety course can bring your rates down.
In addition, we all use our boats for different activities. Some people just use their boat to fish, others pull skiers or wakeboarders behind them. Those different uses can have a large impact on insurance coverage and rates.
We have tried to break down your options by boat type, indicating common uses and potential snags. We want to help you become as knowledgeable as possible so you can find insurance that’s right for you. You shouldn’t have to pay more than necessary for boat insurance, but you want to make sure you’re covered if an accident does occur.