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 and the seasons when you use it. 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. Beyond that, how one stores their boat can have an impact on what their policies cost, both during the season and when it is in storage. 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.
The two pages we most commonly recommend people to take a closer look at are the FAQ page and the Fine Print page. The FAQ page is filled with unique insights we have picked up and find that almost everyone learns a few new things when clicking through it. You might know most of it, but we are confident that you will find something new that you did not expect before. Second, the Fine Print page, is one that while most users are not reading for fun, is a page that can help you decipher your policy before you have an issue.
Are you paying too much for bad boat insurance? Depending on your state it can take less than a minute.