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Boat Insurance

Let's take boat insurance off your to-do list. We shop. You save. Best value coverage plans.
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Real People. Real Results.

"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
-
Cindy Burkhart
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Great experience from start to finish!"
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Shelby Hodges

Top Carriers. Great Rates. Quality Coverage.

Frequently Asked Questions

We get it. Boat insurance can be confusing. We're here to help clear things up.

What is boat insurance?

Boat insurance financially protects you from injuries or damages caused to you or others while boating.

Am I required to have boat insurance?

Most states don't require boat owners to purchase boat insurance. If the boat is financed, the lender might require the owner to carry coverage. Additionally, if the boat is kept in a marina or storage facility, the facility might require insurance on the watercraft.

Does homeowners insurance cover boats in storage?

Boats in storage may not be covered by homeowners insurance. However, if your homeowner's policy does cover your boat in storage, the Insurance Information Institute says that likely only boats such as canoes, small boats, and small sailboats will be covered. It goes on to say that the coverage would be minimal.

What does boat insurance cover?

Boat insurance will cover damage to the hull, furnishing, motor, sails, trailer and much more. If you cause an accident, your boat insurance will cover the damage you caused, injuries/death of another person, and damage to another's boat.

Do I need boat insurance during the off season?

It is a good idea to have insurance during the off-season, hazards such as fire and theft may happen at any time. If you do not have boat insurance, you may have to pay to repair or replace your boat if stolen or damaged.

Is a boat covered under homeowners insurance?

Unfortunately boats are not covered under home insurance policies. A boat needs a separate insurance policy given its value and risk exposures.

How does boat insurance work?

Boat insurance is the promise to pay in the event of a covered loss. If you damage your boat or cause injuries or damages to another person, insurance is there to pay for the losses as long as they are covered in the policy.

Do I need to insure my boat in storage?

It is not a bad idea to keep your boat insured. Theft, damage, and various other types of hazards will be covered by your boat insurance while your boat is stored. In addition, when you are ready to put your boat back in the water, you will not have to think about reactivating your policy.

How much does boat insurance cost?

On average you can expect your boat insurance to cost $200-$500 every year. However, if you own a big boat (like yacht or sailboat), the boat insurance can cost between 1-5% of boat's value.

How does boat insurance work?

Boat insurance works the same as car insurance. If you cause damage to another boat or your own, you can file a claim with your insurer, requesting they pay for the damages. If the event is covered, all losses or injuries will be paid by your insurer up to coverage limits.

Do I need insurance on my boat trailer?

No state requires insurance for your boat trailer. However, if you have an accident with your boat trailer involved, it is possible you could be liable for damages.

What should I think about when buying boat insurance?

A few things to think about: How often do you take people out on your boat? Are there any special features on your boat (you might need extra protection)? Where are you going to use your boat? Before buying boat insurance, it would be smart to talk to an insurance representative.