About Boat Insurance

the gecko riding a sail boat

At GEICO, we know your boat and Personal Water Craft (PWC) are investments in not only time and money, but fun as well. GEICO Marine Insurance Company can help you protect your investment. Get a free boat insurance quote and see how we can help.

What is boat insurance?

A boat insurance policy covers you and your boat or PWC against liability and damage in the event of an accident. Accidents happen, but with boat insurance, you can rest assured you're covered on and off the water. We share your passion for watersports and have teamed up with BoatU.S. combining over 75 years of experience in boating.

Put our experience to work for you and get a free online boat insurance quote or call us at (855) 395-1422.

Is my boat covered under my auto insurance or homeowners insurance policy?

If you don't have a separate boat insurance policy, you're probably underinsured. Auto and homeowners insurance policies aren't made to cover boats and PWCs. Most homeowner's polices have size restrictions, as well as limitations on horsepower and damage coverage. Coverage limits vary by state, underwriting company, and contract. Don't wait until it's too late to find out your coverage is lacking. So don't boat before the quote.

What does boat insurance cover?

Boat insurance coverage varies based on your boat or PWC. Typical coverage includes:

For you and your boat:

  • Damage to your boat's: hull, sails, machinery, furnishings, motor, and trailer
  • Liability
  • New boat replacement for new boats
  • Agreed hull value or actual cash value
  • Fuel spill liability
  • Medical payments
  • Salvage coverage and wreck removal

For others:

  • Damage to another boat
  • Damage to other property caused by your boat
  • Bodily injury/death of another person

Optional insurance coverages:

  • Multiple towing options, on and off the water
  • Disappearing deductibles
  • Coverage for your personal property
  • Coverage for your fishing equipment
  • Coverage against injury to you caused by an uninsured boater
  • Hurricane haul out
  • Ice/freeze coverage

Boat Insurance Discounts

Not all coverage is created equal. A low rate or cheap boat insurance doesn't mean reduced coverage or losing the promise of service when you insure with GEICO. We're committed to providing a policy that's right for you and serviced by the boating experts at BoatU.S.

Discounts:

  • Multi-Policy discount for current GEICO auto policyholders
  • Navigation area
  • Good driving record
  • Passed a boat safety course

Why choose GEICO Boat Insurance?

  • Customizable coverage to meet your needs
  • Licensed agents as passionate about boating as you are
  • Expert service including 24/7 claims handling and towing
  • Discounts available when you insure both your boat and car

Get your free boat insurance quote today:

START BOAT QUOTE

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Boat and PWC coverages are written through GEICO Marine Insurance Company or other non-affiliated insurance companies that are secured through the GEICO Insurance Agency.