Georgia Boat Insurance

Get a full analysis of Georgia boat insurance costs, coverage, and companies.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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Find the Best Boat Insurance Options in Georgia

In order to protect your assets while you enjoy time on your boat, it’s important to be an educated boat operator, follow proper safety guidelines, and secure a suitable Georgia boat insurance policy.

A local independent insurance agent can help you learn more about Georgia boat insurance and find you a policy that meets your needs and budget. 

Best Boat Insurance Companies in Georgia

How can you make the best choice for boat insurance in Georgia? We selected the following carriers as some of the best boat insurance companies in Georgia. They are highly rated for their mix of valuable coverage offerings and competitive pricing. 

An independent insurance agent in your area can help you learn more about these and other Georgia boat insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.

Georgia Boat Insurance Requirements

Boat insurance is not required by law in Georgia. There are a few cases where you might be required to purchase boat insurance by some other entity:

Many boat owners believe that their homeowners insurance offers liability coverage for losses caused by the negligent operation of their boat. While there may be some coverage in limited situations, it’s not likely to be enough to really help you if you’re at fault for a serious accident.

Homeowners insurance does provide some physical damage coverage for certain small boats (e.g., rafts, canoes, or kayaks) while they’re on your property (not in the water). And this coverage usually has a small limit (like $1,000). You’ll need to purchase boat insurance in Georgia if you want physical damage coverage for a larger motorized boat.

Your independent insurance agent can help you learn more about the requirements for boat insurance in Georgia and help you find a policy that fits your needs. 

What Boat Insurance Covers in Georgia

Georgia boat insurance works much like car insurance. It covers bodily injury and property damage that you cause while you are operating your boat, as well as physical damage to your boat. You can tailor your coverage depending on the type of boat you have, how and where you use it, and the types of items you keep onboard. 

A basic Georgia boat insurance policy provides you with liability coverage. This covers medical expenses or property repairs if you’re responsible for a boating accident that results in property damage or injuries to a third party. 

Depending on which insurance company you select, your basic boat insurance policy may automatically include other coverage options. Or, you may have to add on these optional coverages:

Some additional coverage options include the following: 

Your local independent insurance agent in Georgia can help you determine which coverage types may be beneficial for your unique needs. 

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Average Cost of Boat Insurance in Georgia

The cost of a boat insurance policy in Georgia can vary significantly from one person to the next. The quotes you get will depend on a number of factors including, but not limited to, the following:

You may be eligible for certain discounts on your Georgia boat insurance policy. Some insurers offer a layup discount, as well as a discount for successfully completing a boating safety course. What’s more, you will likely be eligible for a discount if you bundle your Georgia boat insurance policy with your home and auto insurance. 

How to Find the Best Boat Insurance Quote in Georgia

An independent insurance agent can help you find the best Georgia boat insurance for your needs. A local agent can get quotes from multiple insurance companies to make sure you get the best coverage at the right price. Working with a local agent is the best way to get knowledgeable, superior service from someone who understands the needs of boat owners in your community. 

Find an independent insurance agent in your area now. 

Georgia Boat Insurance FAQs

Do I need boat insurance in Georgia?

Most boat owners in Georgia need boat insurance. In the event of a boating accident, the amount of money you may owe to a third party, as well as for repairs to your own property, is likely to negate any savings you have had by not purchasing boat insurance coverage. If you are responsible for an accident that results in a fatality while uninsured, you may suffer unrecoverable financial losses.

While it is true that your homeowners insurance may provide coverage in some cases, this coverage is typically very limited. Only a boat insurance policy can provide the best coverage for incidents involving your boat.

Is boat insurance required by law in Georgia? 

No, boat insurance is not required by law in Georgia. There are a few cases where you might be required to purchase boat insurance by some other entity:

What does boat insurance cover in Georgia? 

Boat insurance always includes liability coverage, which protects you when you cause injuries or property damage to another party. You can also add on the following types of optional coverage: 

What kinds of boats can be covered by boat insurance in Georgia? 

Boat insurance is recommended for most watercraft with motors, including fishing boats, pontoon boats, speed boats, leisure crafts, and yachts. Boat insurance generally does not cover canoes, kayaks, or personal watercraft. 

Every type of boat has the potential to be stolen, damaged, or involved in an incident that results in harm to another person or another person’s property. Even if your boat is docked or stored in your garage, it can be vandalized, damaged in a fire or storm, or stolen. Boat insurance can help you in all of these situations.

How much does boat insurance cost in Georgia? 

The cost of a Georgia boat insurance policy is likely to vary significantly from one person to the next. When you request a boat insurance quote, your rates will reflect a number of factors including, but not limited to:

You may be able to lower your costs by qualifying for discounts on your policy. Many insurance companies will offer discounts for completing a boating safety course, having multiple policies with the same insurer, and opting for electronic monthly payments on your premiums. Be sure to ask about possible discounts when requesting boat insurance quotes.

What are the best boat insurance companies in Georgia?

Travelers, Progressive, Safeco, Foremost Insurance Company, and Central Insurance Companies are some of the best boat insurance companies in Georgia. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options for boat owners.

Why work with an independent insurance agent when shopping for boat insurance in Georgia?

A local independent insurance agent can help you find a competitively priced Georgia boat insurance policy that meets your needs. Independent agents aren’t tied down to one carrier. They can get quotes from multiple insurance companies so you can choose the policy that best fits your needs and budget. 

An independent agent can also help you find other types of personal insurance, such as auto, home, or renters insurance.

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