Boat Insurance Quotes

Boat Insurance Quotes

Our goal is to help you find the right boat insurance. For most people browsing the insurance market, their first question is always: “where can I get a boat insurance quote?” We know that many of our visitors are pressed for time, so answering that question is one of our core objectives. When it comes to boat insurance quotes there are three components that our users seem most interested in:

  • Online

It wasn’t always this easy, but you can sign up for a policy online for most major companies . Unfortunately, for some older boats, getting a quote may be more involved. Certain boats that are older than 20 years might require more work to get them insured. In particular, Insurers hesitate over boats with wood or metal hulls, or home built models . In some select cases insurance companies can refuse to insure your boat if they consider it a liability. The good news is that for 90% of you there is likely no problem, but if you’re worried, feel free to send us a message here. We will do our best to give you some advice and steer you toward a few companies that may be more receptive to you request.

  • Rate

Boat insurance rates are basically boat insurance quotes without the pesky coverage details. The rate is important, especially if you’re trying to keep the insurance price low, but be wary of rates that look too good to be true. They usually are. If your insurance only covers the radio on the boat, or up to $1,000, then it may not be very useful. Always remember to look beyond the rate. Read into the quote, and make sure you examine the coverage.

  • Cheap

Most of us like to save money, so we know that cheap boat insurance is important to many of our visitors. If you’re trying to cut back on insurance costs, your first question should be: “what can I afford to lose?” If you are out on a $200 14’ aluminum run-about, looking for a cheap policy just makes sense. For some of you, it may not even make sense to insure the boat at all. That said, we believe it is always worth insuring for liability, and almost always for some component of life or dismemberment. If a cheap policy is your priority, we recommend asking your agent whether they can remove damage coverage for your boat, while keeping liability and other coverage. If they can, it should save you some money annually. Remember, they are unlikely to be able to do this if you have a loan on your boat. You should only consider this option if you can financially afford the loss of your boat.

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