Boat Insurance

Request a boat insurance quote online.

Get specialized boat insurance for as little as $100 per year *

Rather speak with an insurance agent?
(877) 334-7646

Let us simplify your boat insurance

We give you the freedom to boat wherever you’d like on any lake, river or ocean (within 75 miles of the coast) in the U.S.. You may even be able to get the some of the common requirements and restrictions other insurers may force on you dropped, allowing you to get the protection you need and get on the water right away. For example, if you insure with our carrier Progressive Insurance the may not require a navigation plan or marine survey, which could cost around $600 for a 30-foot boat.

Our carriers insure over 1 million watercraft, and they’ll insure yours too

We have extenstive boat insurance experience, so we know how to keep you on the water. So, as long as your boat or personal watercraft (PWC) is valued at no more than $500,000 and is up to 50 feet long, we’ll most likely insure it with with one of our boat programs. If you have a yacht, we can help you with that too, so if you have a bigger, high-value vessle, call us at 1-877-334-7646 and we’ll do what we can to get you covered.

Ways to save on boat insurance

It’s all about the discounts


Is your home, car, motorcycle, or RV insured with us? You could save even more on boat insurance if you have another other insurance policie with the same carrier.


You’ll can earn a discount from some carriers for having more than one watercraft on your policy.

Original owner

One of the easiest ways to save! If you are the original owner of your watercraft, we’ll give you a discount. Ask which carriers offer this discount.

Safety course

Anyone can earn this discount. Just complete any state-approved safety course to save even more on your boat insurance policy.

Boat insurance that covers the rough waters

A boat insurance policy will automatically include liability – to pay for damages and injuries you may cause if you hit another boat, person, dock, buoy, or something else. Your policy will also offer comprehensive and collision to pay for damage to your boat. But we may be able to get your coverage coverages and benefits that you may not get with every insurer.

Sign & Glide® on-water towing

If you run out of gas or your boat breaks down on the water, our carrier partner Progressive has a unique coverage called Sign & Glide that pays for on-water towing, fuel delivery, soft ungroundings, and jump starts. They may even arrange for the tow and pay the tow operator directly (in most cases).

Example: You run out of gas in the middle of a lake. If you added this coverage, just call our dispatch center (number included on your policy card) or contact us through the Sign & Glide app. We’ll then deliver fuel and/or tow you to the nearest shore.

Full replacement cost

When your watercraft needs to be repaired, some insurance companies will bring your boat back to its previous condition or better, and never depreciate the value of any of your parts.

Example: Seats are damaged on your 5 year-old boat. They’re older and only worth $50 each, so some insurers may only give you $200 ($50 per seat). But, you need new ones that cost $250 each. Replacement cost will pay the full $1,000 for all new seats. That’s an $800 difference!

Propulsion Plus®

This is another unique coverage offered by Progressive. If you add Propulsion Plus and the insurance carrier will repair or replace the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor, if you have a mechanical breakdown—even if it’s caused by wear and tear.

Example: Your lower unit is 10 years old and if finally dies on you. Typically, normal wear and tear wouldn’t be covered by insurance. But if you add Propulsion Plus coverage with Progressive, they can pay to repair or replace your lower unit.

Wreckage removal & fuel spill

When you buy a Progressive boat insurance policy, wreckage removal and fuel spill coverages are automatically included. If your boat sinks or you’re responsible for a fuel spill, Progressive can cover the bills all the way up to your policy’s property damage liability limits. Note: Progressive will only remove your sunken boat if it’s legally required.

Example: Your older boat sinks while docked in your slip. You may be required to remove the wreckage and address any fuel spills. Just contact the insurance carrier to file the claim, and Progressvie cover the costs.

Roadside assistance

This coverage comes standard with some insurance companies when you have trailer coverage on your policy—this allows the insurance company to tow your disabled vehicle to the nearest repair shop.

Example: You’re hauling your boat to the lake and your vehicle breaks down or runs out of gas. The insurance company will pay to tow your vehicle and/or watercraft to the nearest repair shop.

Water sports coverage

Water sports coverage provides protection for injuries or damages you may cause while tubing, knee boarding, wake boarding, wake surfing or other similar activities. Parasailing, kite boarding or other activities in which someone is pulled through the air won’t be covered.

Example: Your friend is injured while tubing on your boat. Water sports coverage can hellp to pay for their medical bills up to your policy’s limits.

We even make managing your policy easy

Log in to your policy

Get policy status, request copies of your documents, print ID cards … it’s the whole paperless thing. Find your ID cards and take care of biz online. Now you’re the boss.

Get the mobile app

Make your policy mobile. Do most of you can do online, but also have a direct communication link with your agent. Just a few taps on your smartphone.

Shop for home and car insurance

We created so consumers can easily compare the rates of our excellent insurance carrier partners online, secure, fast, and always free.

Request a boat insurance
quote and get covered

Get specialized boat insurance for as little as $100 per year *

Call (877) 334-7646 to speak with an insurance agent

More questions about boat insurance?
We have Answers

How does boat insurance work?

Whether you buy watercraft insurance on your directly through the insurance company or from an insurance agent, you’ll be asked some basic questions about you, your boat, and the coverages you’re looking for. All these factors will affect your price for insurance. Then, if you damage your boat or hit someone/something else, you’ll file a “claim” with your insurance company. If it’s covered, the insurance comapny will pay for the losses or injuries up to your coverage limits.

How much is boat insurance priced?

Insurance companies will look over a variety of “risk” factors, to ultimately determin pricing. It really comes down to risk: How likely are you to have a boat accident and what will that accident cost? Here are a few of the essentials that will determine your price:

Claims history: If you don’t have a record of auto or boat insurance claims, your insurance company will likely consider you less likely to have an on-water accident.

Type of boat: Just like with cars and motorcycles, your boat’s year, make, and model will affect your price. Newer boats generally cost more to replace, and boats designed for speed often cost more to insure than lower-performance boats. Whether you have an inboard or outboard motor will also influence your rate.

Boating experience: The longer you’ve spent on the water, the better. So, more experienced boaters are also less likely to have an accident. Completing a watercraft safety course may also help bring down the cost of boat insurance.

What is comprehensive insurance?

Comprehensive coverage is generally for damages to your boat from events beyond your control

The types of things comprehensive coverage is good for are:

  • Theft and vandalism
  • Explosions and fire
  • Hurricanes, lightning, and other weather-related damage
  • Falling trees or other objects

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.

IronPoint Insurance Services, LLC offers multiple insurance quotes through to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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