New York doesn’t legally require boat insurance, but having coverage is a smart way to protect your investment and avoid unexpected costs. Storm damage, theft, or accidents can happen at any time, and insurance can help cover those risks.
With GEICO Marine, New York boaters get more than just affordable insurance. You get flexible coverage options, access to optional towing through TowBoatUS, and support from BoatUS—the nation’s largest group of recreational boaters with over 50 years of experience in making boating safer and more enjoyable.
New York does not require boat insurance for personal or recreational watercraft. You’re free to enjoy the water without a policy, but that doesn’t mean it’s a good idea to go without coverage.
If you financed your boat, your lender will likely require insurance until the loan is paid off. Marinas and storage yards may also ask for proof of liability insurance before they allow you to dock or store your boat. Without insurance, you could be left paying for repairs or legal claims out of pocket if something goes wrong.
GEICO offers flexible boat insurance options you can personalize to match your needs.
Common coverages for New York boaters include:
You can combine these coverages to build a policy that fits your New York boating lifestyle.
Boat insurance costs in New York can vary depending on many factors. Whether you're boating on Lake Ontario or in the bays around Long Island, your premium is based on how and where you use your boat.
Some things that affect your rate include:
GEICO Marine can help tailor a policy that reflects how you use your boat so you get the right protection at a fair price.
GEICO offers several ways for New York boaters to save on their premiums without cutting back on coverage. These discounts reward safe habits and help make quality protection more affordable.
You may qualify for savings through:
These discounts make it easier to enjoy full coverage while keeping your insurance budget-friendly.
Understanding limits and deductibles can help you make smart choices when setting up your boat insurance policy in New York.
A GEICO Marine specialist can walk you through these options to help you strike the right balance between monthly cost and long-term protection.
GEICO makes boat insurance simple, affordable, and dependable for boaters across New York. Whether you're navigating the Hudson River, enjoying the Finger Lakes, or docking along Long Island Sound, GEICO offers flexible coverage that fits your boating lifestyle.
You’ll also get support from BoatUS—the nation’s largest group of recreational boaters, with over 50 years of experience helping make boating safer and more enjoyable. With fast claims handling, helpful digital tools, and flexible payment options, it’s easy to see why so many New Yorkers trust GEICO for boat insurance.
Understanding your coverage options is key to protecting your boat, your passengers, and your wallet. Whether you need basic liability protection or want to add towing and equipment coverage, GEICO makes it easy to personalize a policy that matches how you boat in New York.
Take advantage of available discounts, explore optional add-ons, and compare quotes to find a policy that gives you the confidence to enjoy your time on the water.
If you're looking for affordable boat insurance that doesn't compromise on coverage, GEICO and BoatUS offer options tailored to fit your needs.