Boat Insurance Coverages

Coverage simply isn’t the same everywhere. We offer many of the same standard coverages other insurers do. But we do more than meet checklist requirements. We offer more unique boat insurance coverage options—many of which don’t cost extra.

Standard boat insurance coverages and benefits

Full replacement cost

Bodily injury & property damage liability (BI/PD)

Fuel spill

Wreckage removal

Roadside assistance

Water sports coverage

Optional boat insurance coverages

Total loss replacement

Sign & Glide® on-water towing

Fishing equipment or carry-on items

Propulsion Plus® mechanical breakdown coverage

Comprehensive & collision

Uninsured/underinsured boater (UB/UIB)

Medical payments

Trailer trip interruption

Why you need specialized boat insurance coverage

Boat insurance is not required in all states. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy. Get more information on boat insurance requirements.

Off the water, you may be able to insure your boat on your homeowners insurance policy. But homeowners policies typically cover small low-powered watercraft and offer few optional coverages. That’s why so many boaters choose Progressive specialized policies. With us, you’ll get all the coverages listed above (or the option to select them).

Quote boat insurance and be covered for as low as $100/year*

Get a quoteOr, call 1-855-347-3939