Is boat insurance required?

Although boat insurance is mandated in only a few states, you're typically required by your lender to carry comprehensive and collision coverage if you finance your boat. Additionally, if you dock your boat, your marina may require you to show proof of liability coverage. Find out the boat insurance requirements in your state .

Does boat insurance cover theft?

Comprehensive coverage can pay to replace a stolen watercraft , minus your policy's deductible.

Does homeowners insurance cover boats?

A homeowners policy typically won't cover damage to your boat. Depending on the situation and your policy, personal liability coverage under your homeowners insurance may cover injuries that occur on your watercraft if you're liable.

Are carry-on items covered by boat insurance?

If personal belongings that you bring on board are lost or stolen, Progressive offers coverage of up to $10,000 for fishing equipment and up to $5,000 for other items, such as laptops, smart phones, and scuba gear.

Does boat insurance cover the boat trailer?

Damage to your boat trailer is typically covered if you add your trailer to your boat insurance policy. You're protected against damage to your boat trailer even if your boat isn't on the trailer at the time of the incident. Learn more about boat trailer insurance .

Does Progressive require a marine survey?

We don't require a marine survey to purchase a boat insurance policy.

What types of boats and PWCs does Progressive not insure?

While Progressive boasts some of the broadest acceptability in the business, there are some types of vessels that can't be added to a new or existing Progressive policy: Boats 0-10 years old and worth more than $500,000 Boats 11-20 years old and worth more than $350,000 Boats more than 20 years old and worth more than $75,000 Boats used as a primary residence (live-aboards) All houseboats Homemade boats without a hull identification number Boats with more than two owners Boats with steel or wood hulls All amphibious land boats, hovercraft, or airboats PWCs worth more than $27,000 Boats that don't meet published U.S. Coast Guard standards We also can't insure boats over 50 feet in length. In some hurricane-prone states, the limits can be 35 feet and $175,000 in value.

Is boat insurance required?

Although boat insurance is mandated in only a few states, you're typically required by your lender to carry comprehensive and collision coverage if you finance your boat. Additionally, if you dock your boat, your marina may require you to show proof of liability coverage. Find out the boat insurance requirements in your state .

Boat Insurance

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Quote boat insurance today and see why Progressive insures over 1 million watercraft

A Progressive boat insurance policy is built to cover you and your watercraft year-round. Boat insurance safeguards your watercraft against damage and theft, in or out of the water. Plus, boat liability coverage protects you if you cause damages or injuries while boating.

Whether you have a pontoon, power boat, or personal watercraft, we can help you boat worry-free with a quick, customized boat insurance quote. Check out all of the types of watercraft we cover.

Stay on course for savings with boat insurance discounts

Progressive may automatically apply these discounts and more to your policy.

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Multi-policy

Save on your boat insurance by bundling it with another Progressive policy, such as home, auto, motorcycle, or RV.
Boat safety course

Complete a boater safety course approved by your state and earn a discount on your policy.
Pay in full

An easy way to save — earn a discount for paying your policy up front and in full.

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WHY CHOOSE US?

Affordable coverage

A dependable boat insurance policy shouldn't drown your wallet.

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Specialized reps

If you have a claim, our team of boat experts can help you navigate the repair process.

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Environmental focus

Have a tree planted on your behalf when you quote and buy boat insurance online.

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Types of boats we insure

As long as your watercraft is valued at no more than $500,000 and is up to 50 feet long, we'll most likely insure it.^†† Don't see your watercraft listed here? Call 1-855-347-3939 and we'll do what we can to get you covered.

Boat insurance coverage options that protect you and your boat

Progressive offers more than just standard boat coverages, so you can hit the water knowing you're prepared for any mishap.

On-water boat towing

Covers boat towing assistance, fuel delivery, and more

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Progressive's optional Sign & Glide® coverage^† pays for boat towing assistance, fuel delivery,^** soft ungroundings, and jump starts. Download our Sign & Glide app on your smart phone and never worry about an on-water breakdown.

Comprehensive and collision

Covers damage to your boat from incidents in and out of your control

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Boat comprehensive and collision are coverages that can safeguard your boat against damage and loss. Comprehensive covers events beyond your control, such as theft, vandalism and weather-related issues. Collision protects your watercraft if it collides with an object or another boat.

Propulsion Plus®

Covers your watercraft's upper and/or lower units in case of mechanical breakdown

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Add Propulsion Plus and we may repair or replace the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor, if you have a mechanical breakdown.

Wreckage removal and fuel spill

Covers sunken boats and fuel leaks

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These are automatically included in every Progressive boat insurance policy. If your boat sinks or you're responsible for a fuel spill, we can cover the cost up to your policy's limits. We only remove your sunken boat if it's legally required.

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How much is boat insurance?

You can typically get a Progressive boat insurance policy for as low as $100 per year.^* However, your rate is based on numerous factors, including location, boat type, boating history, and prior claims. Learn more about what impacts the cost of boat insurance.

Although boat insurance is mandated in only a few states, you're typically required by your lender to carry comprehensive and collision coverage if you finance your boat. Additionally, if you dock your boat, your marina may require you to show proof of liability coverage. Find out the boat insurance requirements in your state.
While Progressive boasts some of the broadest acceptability in the business, there are some types of vessels that can't be added to a new or existing Progressive policy:
- Boats 0-10 years old and worth more than $500,000
- Boats 11-20 years old and worth more than $350,000
- Boats more than 20 years old and worth more than $75,000
- Boats used as a primary residence (live-aboards)
- All houseboats
- Homemade boats without a hull identification number
- Boats with more than two owners
- Boats with steel or wood hulls
- All amphibious land boats, hovercraft, or airboats
- PWCs worth more than $27,000
- Boats that don't meet published U.S. Coast Guard standards
We also can't insure boats over 50 feet in length. In some hurricane-prone states, the limits can be 35 feet and $175,000 in value.