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 can cover 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 BoatUS. Put our experience to work for you and get a free online boat insurance quote or call us at (855) 395-1412.

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 homeowners policies 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.

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, equipment, 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
  • Uninsured boater protection

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
  • 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.


  • Multi-Policy Discount for current GEICO Auto policyholders
  • Passed a boat safety course
  • No loss credits

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:


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.

Some discounts, coverages, payment plans and features are not available in all states or in all situations. GEICO has teamed up with its subsidiary, BoatUS, to bring boaters a policy developed by experts, with the great service you expect from GEICO. Policies are underwritten by GEICO Marine Insurance Company. When you begin a quote, you'll be taken to the BoatUS website for a secure boat quote. Any information you provide will be subject to the privacy policy posted on their website.