Boat or Yacht Insurance

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

Travel protection is offered by our trusted partner, Travel Insured International, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Pet insurance is offered by our trusted partner, PTZ Insurance Agency, Ltd through its ASPCA® Pet Health Insurance program via InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

ZIP Code is required and must be 5-digits

Motorcycle insurance is offered by our trusted partner, Dairyland®, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Flood insurance is offered by our trusted partner, Neptune Flood, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Protect your adventures with boat or yacht insurance

Make sure your boat and everyone on it are properly protected with Travelers.

For all the boating adventures ahead

Get a boat or yacht insurance quote today and get ready to enjoy more of what you love – time out on the water with friends and family. Make sure your boat and everyone on it are properly protected with Travelers .  

How much is boat insurance?

Boat insurance costs vary based on the state where you use your boat and the coverage options you select. For instance, boating insurance option s – such as agreed value policies – will generally cost more than actual cash value policies. If keeping boat insurance costs down is a priority, choosing a higher deductible can reduce your policy premium. Depending upon the state where the boat is used, boat insurance policies can be purchased at a very reasonable price.*

Why do I need boat insurance?

You need boat insurance to cover loss or damage to your boat and to help protect you financially for injuries or damage caused by covered mishaps.   

Liability coverage in your boat insurance can help protect you if you cause injury to others or damage their property while using your boat.   

Medical payment s coverage provides reimbursement for injuries to you and your guests. Boat or yacht insurance even covers on-water towing.  

What does a boat insurance or yacht insurance policy cover?

Choose the right boat insurance or yacht insurance for you and your boating needs. See what’s included in a basic boat insurance policy and what you may need to add.

Uninsured boater insurance

This provides coverage for incidents when another boater may not have insurance coverage. As long as you've chosen sufficient limits on your policy, uninsured boater coverage can help cover your medical bills and bodily injury resulting from an accident with someone who does not have insurance. Coverage extends to you, your family and your passengers. R equirement s for uninsured boater coverage vary by state.

Flexible coverage options

Choose between agreed value or actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.  

Towing and assistance reimbursement

Get reimbursed for transportation of your boat to a repair facility when it’s inoperable, as well as for gas delivery (but not the gas itself) and roadside assistance .  

Ways to save

Bundling multiple policies, owning a hybrid boat and taking safe boating courses are some ways that help save money on boat insurance and yacht insurance.

Multi-policy discounts

Save money on boat insurance when you purchase multiple policies. If you already hold a Travelers auto insurance policy and/or home or other boat/yacht policies, you may be eligible for a multi-policy discount .  

Boat equipment credits

Equipment credits are available when you have certain equipment onboard, such as GPS, radar, CO2 detectors and alarm systems. These can help save you money on boat insurance.  

Boat education discounts

You may be eligible to save up to 5% per boat for passing certain safe boating courses, including those offered by the U.S. Power Squadron and the U.S. Coast Guard . For advanced courses, such as a Captain’s license, you may be eligible to save up to 10%.   

MORE WAYS TO SAVE  

Boat & yacht insurance FAQs  

Got questions? We have answers.  

Explore common questions that are asked before, during or after purchasing boat or yacht insurance.  

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PREPARE & PREVENT

Insights to help you manage risks at home and on the road

Safe Boating Resources

Are you considering a boat purchase? The following questions can help you decide if you're ready to take the helm.

Safe Boating Resources

A boat in a storm can be very dangerous. Learn what to do if you are on a boat in a storm with these tips.

Safe Boating Resources

Help prepare for boating emergencies by keeping a boat emergency kit and other boat emergency equipment on board.

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. Home Insurance is underwritten by Travelers Personal Insurance Company, One Tower Square, Hartford, CT 06183. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT; or Travelers Property Casualty Insurance Company, Certificate of Authority #6521; State of Domicile: CT. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority #3545, State of Domicile: CT. Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545, State of Domicile: Connecticut. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. All underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle Insurance, Flood Insurance and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, flood coverage and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.