{"id":324781,"date":"2025-11-10T16:37:23","date_gmt":"2025-11-10T21:37:23","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=89208"},"modified":"2025-11-10T16:37:23","modified_gmt":"2025-11-10T21:37:23","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/boat\/best\/","title":{"rendered":"The Best Boat Insurance"},"content":{"rendered":"\n\n            <span class=\"b-toc-anchor\" id=\"best\" title=\"The Best Boat Insurance\"><\/span>\n    \n\n\n<p>Boating is best when it\u2019s safe and prepared. The U.S. Coast Guard\u2019s latest <a href=\"https:\/\/uscgboating.org\/statistics\/accident_statistics.php\">Recreational Boating Statistics<\/a> (most recent data released in 2025 for the prior year) continue to show operator inattention and inexperience among the leading factors in accidents, with alcohol remaining a leading known factor in fatal incidents. Solid boat insurance complements safe operation by addressing liability, cleanup, towing, and repairs when things go wrong.<\/p>\n\n\n\n<p>Below, we review notable boat insurers and what they tend to do well, plus what to compare first in 2025: agreed value vs. actual cash value (ACV) hull settlement, on\u2011water towing networks, hurricane\/named\u2011storm haul\u2011out reimbursements, fishing gear\/personal effects coverage, and navigation flexibility. We also flag availability and distribution differences (agent\u2011only vs. online), coastal eligibility nuances, and how to verify financial strength using <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">AM Best<\/a>, <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a>, and <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/about\/understanding-ratings\">S&amp;P Global Ratings<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 6 Best Boat Insurance Companies<\/h2>\n\n\n\n<ul><li>State Farm: Best local agent guidance and claims support (availability varies by state and coastal exposure)<\/li><li>American Family: Best for anglers who want easy add\u2011ons for gear and trailering<\/li><li>Farmers: Best package deals with tiered options that can include named\u2011storm preparedness benefits<\/li><li>Progressive: Best for online convenience and optional mechanical breakdown (Propulsion Plus)<\/li><li>Markel: Best for anglers and tournament coverage with agreed value options<\/li><li>Nationwide: Best for bundling home\/auto with mainstream marine coverages<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n\n\n                                                            \n            \n<section id=\"state-farm\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                                <span class=\"b-item-list-card__card__left__top--top\"><\/span><BR>\n                <span class=\"b-item-list-card__card__left__top--bottom\"> Best for Customer Service<\/span>\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                State Farm\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                                State Farm\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=322561-20\" type=\"button\"\n                    aria-label=\"State Farm button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='322561' data-tag-product-name='State Farm' data-tag-brand='State Farm' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                    rel=\" sponsored\"\n                >Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>State Farm is a large, agent\u2011driven personal\u2011lines carrier known for in\u2011person service. Independent credit rating agencies focus on claims\u2011paying ability rather than customer reviews: <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.bbb.org\/us\/il\/bloomington\/profile\/insurance-companies\/state-farm-insurance-company-0724-6000391\" target=\"_blank\">Better Business Bureau<\/a> profiles provide consumer context, while insurer strength is best verified directly with <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>, <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a>, and <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P Global Ratings<\/a>. AM Best\u2019s Financial Strength Rating (FSR) addresses an insurer\u2019s ability to meet ongoing obligations; Moody\u2019s and S&amp;P issue Insurer Financial Strength ratings and attach outlooks (Positive\/Stable\/Negative) that indicate potential direction over the intermediate term.<\/p>\n\n\n\n<p>State Farm\u2019s <a href=\"https:\/\/www.statefarm.com\/insurance\/boats\">boat insurance<\/a> typically includes liability, physical damage (collision and comprehensive), medical payments, and uninsured\/underinsured boater. Across the market, many policies also address fuel\u2011spill liability and wreck removal and offer on\u2011water towing options and personal effects coverage for fishing gear and electronics\u2014compare these details closely with any quote. If you boat in coastal areas, ask about named\u2011storm deductibles and hurricane haul\u2011out reimbursements, which have become more common industry\u2011wide in recent years (<a href=\"https:\/\/www.travelers.com\">Travelers<\/a>; <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>).<\/p>\n\n\n\n<p><strong>\u2713 <\/strong><strong>Best For: <\/strong>those who value excellent customer service from local agents<\/p>\n\n\n\n<p>\u2717 <strong>Not For: <\/strong>high\u2011risk coastal exposures that may require specialty marine markets<\/p>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Check current Financial Strength Rating and outlook directly at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a> (FSR opinions address claims\u2011paying ability)<\/li><li><strong>J.D. Power:<\/strong> No dedicated boat insurer study; use broader property claims studies only as general context<\/li><li><strong>Standard &amp; Poor:<\/strong> Verify current Insurer Financial Strength rating and any CreditWatch at <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P<\/a><\/li><li><strong>Moody\u2019s:<\/strong> Verify Insurance Financial Strength rating and outlook\/review status at <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a><\/li><li><strong>BBB Rating:<\/strong> See the current BBB profile linked above<\/li><\/ul>\n\n\n\n<p>Further Reading:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a>&nbsp;<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/boat\/laws-and-regulation-by-state\/\">Boating laws and regulations by state<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"American-family\" title=\"American Family\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family<\/h2>\n\n\n\n\n                                                            \n            \n<section id=\"american-family\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                                <span class=\"b-item-list-card__card__left__top--top\"><\/span><BR>\n                <span class=\"b-item-list-card__card__left__top--bottom\"> Best for Fishing Boats<\/span>\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                American Family\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                                American Family\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" type=\"button\"\n                    aria-label=\"American Family button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='315496' data-tag-product-name='American Family' data-tag-brand='American Family' data-tag-price='0' data-tag-subscription='month' data-tag-category=''\n                    rel=\" sponsored\"\n                >Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>AmFam offers coverage for common recreational boats, including fishing craft. When comparing policies, look for the ability to choose agreed value (for better total\u2011loss protection against depreciation) or ACV, confirm liability limits, and add coverage for personal effects like rods, tackle, and electronics (many specialty carriers such as <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a> and <a href=\"https:\/\/www.skisafe.com\/coverages\">SkiSafe<\/a> highlight these options). For liability, many boaters target $300,000\u2013$1,000,000+ depending on assets and boating waters; also verify that fuel\u2011spill liability and wreck removal are included, and that on\u2011water towing is available or can be added (<a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a> integrates towing membership programs).<\/p>\n\n\n\n<p>Trailering and roadside assistance, coverage for trailers and dinghies, and lay\u2011up or winterization provisions are common market options\u2014compare these during quoting (<a href=\"https:\/\/www.skisafe.com\/coverages\">SkiSafe<\/a>; <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>). Availability and limits vary by state and vessel.<\/p>\n\n\n\n<p><strong>\u2713 <\/strong><strong>Best For: <\/strong>small and mid\u2011sized fishing boats needing gear coverage and trailering add\u2011ons<\/p>\n\n\n\n<p>\u2717 <strong>Not For: <\/strong>larger yachts or extended navigation needs that may fit better with specialty yacht programs<\/p>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Confirm current rating at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>; FSR opinions address claims\u2011paying ability<\/li><li><strong>J.D. Power:<\/strong> No boat\u2011specific study; use general property studies only as context<\/li><li><strong>Standard &amp; Poor:<\/strong> Verify IFS rating\/outlook at <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P<\/a><\/li><li><strong>Moody\u2019s:<\/strong> Verify IFS rating\/outlook at <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a><\/li><li><strong>BBB Rating:<\/strong> See current BBB profile if available<\/li><\/ul>\n\n\n\n<p>Further Reading:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\">American Family auto insurance<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"farmers\" title=\"Farmers\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers<\/h2>\n\n\n\n\n                                                            \n            \n<section id=\"farmers\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                                <span class=\"b-item-list-card__card__left__top--top\"><\/span><BR>\n                <span class=\"b-item-list-card__card__left__top--bottom\"> Best for Package Deals<\/span>\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                Farmers\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                                Farmers\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"_blank\" href=\"https:\/\/www.farmers.com\/recreational\/boat-and-watercraft-insurance\/?rvitemid=317128-20\" type=\"button\"\n                    aria-label=\"Farmers button\" data-tag='product' data-tag-outcome='MONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='317128' data-tag-product-name='Farmers' data-tag-brand='Farmers' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                    rel=\"nofollow sponsored\"\n                >View Plans<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Farmers markets tiered boat packages (e.g., Saver\/Plus\/Elite) designed to match budget and usage. Across the market in 2025, valuable differentiators include agreed value vs. ACV settlement, hurricane\/named\u2011storm haul\u2011out reimbursements in coastal states, and on\u2011water towing and assistance programs\u2014features commonly highlighted by specialty and full\u2011service carriers such as <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>, <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>, and <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>. If you need broader navigation (e.g., certain coastal or near\u2011offshore areas), confirm the policy\u2019s navigation territory and any seasonal lay\u2011up requirements at quoting.<\/p>\n\n\n\n<p>Discounts and eligibility increasingly reflect verified safety training and risk controls. Insurers emphasize documented boater education (supported by USCG data on outcomes) and, in some geographies, may consider storage security and theft\u2011prevention measures (<a href=\"https:\/\/www.uscgboating.org\/statistics\/accident_statistics.php\">USCG<\/a>; Emerging trends: <a href=\"https:\/\/www.ambest.com\/research\/market-segment-report\">AM Best market segment reports<\/a>).<\/p>\n\n\n\n<p><strong>\u2713 <\/strong><strong>Best For: <\/strong>buyers who want simple, tiered packages with optional storm\u2011readiness and towing features<\/p>\n\n\n\n<p>\u2717 <strong>Not For: <\/strong>high\u2011value yachts requiring bespoke navigation and higher limits from specialty yacht programs<\/p>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Verify current FSR and outlook at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/li><li><strong>J.D. Power:<\/strong> No marine\u2011specific study; use general property claims studies cautiously<\/li><li><strong>Standard &amp; Poor:<\/strong> Verify IFS\/outlook at <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P<\/a><\/li><li><strong>Moody\u2019s:<\/strong> Verify IFS\/outlook at <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a><\/li><li><strong>BBB Rating: <\/strong>See current BBB profile<\/li><\/ul>\n\n\n\n<p>Further Reading:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\">Farmer\u2019s homeowner insurance<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"progressive\" title=\"Progressive\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Progressive<\/h2>\n\n\n\n\n                                                            \n            \n<section id=\"progressive\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                                <span class=\"b-item-list-card__card__left__top--top\"><\/span><BR>\n                <span class=\"b-item-list-card__card__left__top--bottom\"> Best for Small Boats<\/span>\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                Progressive\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                                Progressive\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" type=\"button\"\n                    aria-label=\"Progressive button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='325339' data-tag-product-name='Progressive' data-tag-brand='Progressive' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                    rel=\" sponsored\"\n                >Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Progressive is a leading personal boat insurer by policies in force, with broad online quote\/bind for runabouts, pontoons, PWCs, many sailboats, and cruisers. Core coverages include liability, physical damage, medical payments, and uninsured\/underinsured boater; policies typically address fuel\u2011spill liability and wreckage removal, and offer towing\/assistance options (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive Boat Insurance<\/a>).<\/p>\n\n\n\n<p>Stand\u2011out option: Propulsion Plus mechanical breakdown coverage for lower units\/drive systems on many newer motors, which can help with out\u2011of\u2011warranty propulsion failures (<a href=\"https:\/\/www.progressive.com\">Propulsion Plus<\/a>). As with all carriers, coastal eligibility varies; confirm named\u2011storm deductibles and any hurricane\u2011haul\u2011out benefits where applicable.<\/p>\n\n\n\n<p><strong>\u2713 <\/strong><strong>Best For: <\/strong>online convenience, broad availability, and adding mechanical breakdown protection<\/p>\n\n\n\n<p>\u2717 <strong>Not For: <\/strong>bespoke yacht terms or extended blue\u2011water navigation<\/p>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Verify current FSR and outlook at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/li><li><strong>J.D. Power:<\/strong> No boat\u2011specific study; use property claims satisfaction only as broad context<\/li><li><strong>Standard &amp; Poor:<\/strong> Verify IFS\/outlook at <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P<\/a><\/li><li><strong>Moody\u2019s:<\/strong> Verify IFS\/outlook at <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a><\/li><li><strong>BBB Rating:<\/strong> See current BBB profile<\/li><\/ul>\n\n\n\n<p>Further Reading:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-progressive\/\">Geico vs. Progressive review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"markel\" title=\"Markel\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Markel<\/h2>\n\n\n\n\n                                                            \n            \n<section id=\"markel-american\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span><BR>\n                <span class=\"b-item-list-card__card__left__top--bottom\"> Older Boaters<\/span>\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                Markel American\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                                Markel American\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    target=\"\" href=\"https:\/\/www.markelinsurance.com\/boat\" type=\"button\"\n                    data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='_Markel American' data-tag-outcome='EXTERNALLINK'\n\t\t\t\t\taria-label=\" button\"\n                    rel=\"nofollow sponsored\"\n                >Learn more<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n            <div class=\"b-item-list-card__info\">\n        <div class=\"grid-x\">\n\n            <div class=\"b-item-list-card__info__line cell medium-auto \">\n                <p class=\"b-item-list-card__info__line--title\"> Pros <\/p>\n                <p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\n            <\/div>\n\n            <div class=\"b-item-list-card__info__line cell medium-auto\">\n                <p class=\"b-item-list-card__info__line--title\"> Cons <\/p>\n                <p>Fewer discounts<br \/>\nLimited customer tools<\/p>\n\n\t\t\t<\/div>\n\n        <\/div>\n    <\/div>\n    \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Markel Marine is a specialty carrier with marine expertise. It offers agreed value options, liability, medical payments, uninsured boater, emergency towing\/assistance, and niche protections for anglers, including fishing equipment and tournament fee reimbursement on certain programs (<a href=\"https:\/\/www.markelinsurance.com\">Markel boat insurance<\/a>). These features appeal to anglers and enthusiasts who want marine\u2011savvy coverage and flexible deductibles.<\/p>\n\n\n\n<p><strong>\u2713 Best For<\/strong>: anglers, tournament boaters, and owners seeking agreed value and equipment coverage<\/p>\n\n\n\n<p><strong>\u2717 Not For<\/strong>: owners focused solely on the lowest premium over specialized benefits<\/p>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Confirm FSR and outlook at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong> Verify IFS\/outlook at <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P<\/a><\/li><li><strong>Moody\u2019s:<\/strong> Verify IFS\/outlook at <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a><\/li><li><strong>BBB Rating:<\/strong> See current BBB profile<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Nationwide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide<\/h2>\n\n\n\n\n                                                            \n            \n<section id=\"nationwide\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span><BR>\n                <span class=\"b-item-list-card__card__left__top--bottom\"> Bundling<\/span>\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                Nationwide\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                                Nationwide\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" type=\"button\"\n                    aria-label=\"Nationwide button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='316830' data-tag-product-name='Nationwide' data-tag-brand='Nationwide' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                    rel=\" sponsored\"\n                >Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Nationwide is attractive for customers bundling home\/auto with a mainstream marine policy. When quoting, compare liability limits (many owners target $300,000\u2013$1,000,000+), confirm inclusion of fuel\u2011spill liability and wreck removal, and add on\u2011water towing where needed\u2014these features are common market\u2011wide and highlighted by carriers like <a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a> and <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>. Availability and certain features vary by state; coastal geographies may see separate named\u2011storm deductibles and eligibility screens (industry trend: <a href=\"https:\/\/www.ambest.com\/research\/market-segment-report\">AM Best marine segment reports<\/a>).<\/p>\n\n\n\n<p><strong>\u2713 Best For<\/strong>: customers looking to bundle with a single carrier<\/p>\n\n\n\n<p><strong>\u2717 Not For<\/strong>: extended navigation or high\u2011value yachts better suited to dedicated yacht programs (e.g., <a href=\"https:\/\/www.travelers.com\">Travelers Yacht<\/a>, <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>)<\/p>\n\n\n\n<ul><li><strong>AM Best: <\/strong>Verify current FSR and outlook at <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a><\/li><li><strong>Standard &amp; Poor: <\/strong>Verify IFS\/outlook at <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P<\/a><\/li><li><strong>Moody\u2019s: <\/strong>Verify IFS\/outlook at <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a><\/li><li><strong>BBB Rating: <\/strong>See current BBB profile<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"provider\" title=\"How to Choose a Boat Insurance Provider\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How to Choose a Boat Insurance Provider&nbsp;&nbsp;<\/h2>\n\n\n\n<ul><li>Get a better rate with membership: boating organizations such as <a href=\"https:\/\/www.boatus.com\">Boat U.S.<\/a> or <a href=\"https:\/\/www.nboat.com\/\">NBOA<\/a> can connect you to marine\u2011savvy policies and on\u2011water towing. <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a> integrates agreed value options, towing membership, fuel\u2011spill\/wreck removal, and hurricane haul\u2011out reimbursements on eligible policies. Insurers also commonly give credits for documented safety training; USCG data links instruction to better outcomes, and several states now require boater education for most operators (see New York\u2019s <a href=\"https:\/\/parks.ny.gov\/recreation\/boating\/education.aspx\">Brianna\u2019s Law<\/a> and California\u2019s <a href=\"https:\/\/dbw.parks.ca.gov\/?page_id=29170\">Boater Card<\/a>).<\/li><li>Get quotes from several providers. Distribution differs in 2025: some carriers are agent\u2011only (e.g., <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>, <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>), while others quote online (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a>, <a href=\"https:\/\/www.skisafe.com\/coverages\">SkiSafe<\/a>, <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>). Coastal eligibility and named\u2011storm deductibles vary; confirm details, storm plans, and any lay\u2011up requirements before you bind (trend context: <a href=\"https:\/\/www.ambest.com\/research\/market-segment-report\">AM Best marine reports<\/a>).<\/li><li>Choose between actual and an agreed-value policy. Agreed value pays the insured amount without depreciation on total losses; ACV deducts depreciation. Agreed value is available from specialty carriers and some standard carriers (<a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>; <a href=\"https:\/\/www.skisafe.com\/coverages\">SkiSafe<\/a>; <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>; <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>; <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>).<\/li><li>Know what boat insurance doesn&#8217;t cover. Wear and tear, gradual deterioration, and corrosion are typically excluded; separate named\u2011storm\/wind deductibles may apply in coastal states. Salvage\/wreck removal can be sub\u2011limited unless specifically included; verify towing limits and provider network. The <a href=\"https:\/\/www.iii.org\/article\/boat-insurance\">Insurance Information Institute<\/a> and carrier pages (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a>; <a href=\"https:\/\/www.boatus.com\">BoatUS<\/a>) outline these differences.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"insurance\" title=\"How We Chose the Best Boat Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How We Chose the Best Boat Insurance Companies<\/h2>\n\n\n\n<ul><li><strong>Strong financial outlook.<\/strong> We relied on independent rating agencies that assess claims\u2011paying ability: <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">AM Best<\/a> issues Financial Strength Ratings (A++ to D); <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a> and <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/about\/understanding-ratings\">S&amp;P Global Ratings<\/a> publish Insurer Financial Strength ratings with outlooks that signal potential direction. Always verify the latest rating, outlook, and any watch\/review status at the agency source before you bind (<a href=\"https:\/\/ratings.ambest.com\/\">AM Best lookup<\/a>; <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratings-list\">S&amp;P ratings list<\/a>).<\/li><li><strong>Direct or clearly disclosed underwriting.<\/strong> We favored carriers that service and handle claims on their own policies or clearly disclose the underwriting company (for example, <a href=\"https:\/\/www.usaa.com\">USAA<\/a> provides access to Progressive\u2019s boat program for members). Clear accountability helps avoid surprises at claim time.<\/li><li><strong>Availability and access.<\/strong> We prioritized national or near\u2011national options and flagged how you buy: some are agent\u2011only (<a href=\"https:\/\/www.travelers.com\">Travelers<\/a>, <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>), others quote online (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a>, <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>, <a href=\"https:\/\/www.skisafe.com\/coverages\">SkiSafe<\/a>). Coastal eligibility constraints, named\u2011storm deductibles, and hurricane plan requirements have become more common in exposed areas (<a href=\"https:\/\/www.ambest.com\/research\/market-segment-report\">AM Best marine reports<\/a>).<\/li><li><strong>Agreed\u2011value availability and coverage breadth.<\/strong> Agreed value is widely available among specialty carriers and some standard carriers, and it matters for controlling depreciation on total losses (<a href=\"https:\/\/www.boatus.com\">BoatUS<\/a>; <a href=\"https:\/\/www.skisafe.com\/coverages\">SkiSafe<\/a>; <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>; <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>; <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>). We also looked for towing options, fuel\u2011spill\/wreck removal, hurricane haul\u2011out reimbursements, and niche coverages (e.g., fishing gear, tournament fees).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Boat Insurance FAQ<\/h2>\n\n\n<div id=\"block_056b9415fc316\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How Much does boat insurance cost?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Boat insurance pricing varies by boat type\/value\/horsepower, usage (freshwater vs. coastal), operator history, and location. National guidance indicates many owners pay a few hundred dollars per year for basic coverage, while larger, faster, or coastal boats can run into the low thousands annually (<a href=\"https:\/\/www.bankrate.com\/insurance\/boat-insurance\/average-cost-of-boat-insurance\/\">Bankrate<\/a>). Ways to manage cost include selecting appropriate deductibles, choosing ACV vs. agreed value thoughtfully, documenting boater safety training (often credited), and confirming whether lay\u2011up\/winterization provisions apply. Carriers increasingly differentiate on on\u2011water towing, hurricane haul\u2011out benefits, and mechanical breakdown options that may add premium but meaningful value (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a>; <a href=\"https:\/\/www.progressive.com\">Propulsion Plus<\/a>; <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_96cad1010b10e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Do I really need boat insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Boat insurance is not universally mandated by state law, but marinas, lenders, and some waterways often require proof of liability. Even where not required, a policy can cover injuries you cause to others (liability), your own boat\u2019s physical damage, fuel\u2011spill cleanup and wreck removal, and on\u2011water towing (<a href=\"https:\/\/www.iii.org\/article\/boat-insurance\">Insurance Information Institute<\/a>). Note that states continue to expand boater education mandates for operating motorized vessels\u2014New York and California complete their phase\u2011ins in 2025 (<a href=\"https:\/\/parks.ny.gov\/recreation\/boating\/education.aspx\">NY: Brianna\u2019s Law<\/a>; <a href=\"https:\/\/dbw.parks.ca.gov\/?page_id=29170\">CA Boater Card<\/a>). Documented training can also help with eligibility and discounts, reflecting USCG findings that instruction correlates with better safety outcomes (<a href=\"https:\/\/www.uscgboating.org\/statistics\/accident_statistics.php\">USCG statistics<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e84e01f5bad7\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does boat insurance cover sinking?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It depends on the cause and your policy. Many policies cover sinking when it results from a covered peril (e.g., collision, storm damage) under physical damage coverage, but wear and tear, corrosion, or lack of maintenance are typically excluded. Confirm whether fuel\u2011spill liability and wreck removal are included and whether salvage limits apply (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a>; <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>; <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>; <a href=\"https:\/\/www.iii.org\/article\/boat-insurance\">Insurance Information Institute<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_d1842be7e7be1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Will homeowners insurance policy cover my boat?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Sometimes, but with limits. Homeowners policies may offer limited coverage for small, low\u2011power watercraft and accessories, but larger or faster boats and PWCs typically require a separate boat policy. Dedicated marine policies provide specialized protections like on\u2011water towing, fuel\u2011spill liability, wreck removal, and options for agreed value (<a href=\"https:\/\/www.iii.org\/article\/boat-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e84e1595badb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Will boat insurance still cover me if an accident takes place in international waters?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Coverage outside U.S. inland\/coastal waters depends on the policy\u2019s navigation territory. Some insurers allow extended navigation or specific cruising grounds, while others limit coverage to defined areas. If you plan coastal passages or near\u2011offshore trips, confirm the navigation limits and any requirements (e.g., crew, safety gear). Full\u2011service yacht programs often support extended territories (<a href=\"https:\/\/www.travelers.com\">Travelers<\/a>; <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e84e01f5bad9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does boat insurance cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Typical coverages include liability (bodily injury\/property damage you cause), physical damage (collision\/comprehensive) to your boat, medical payments, and uninsured\/underinsured boater. Many policies also address fuel\u2011spill liability and wreck removal, and offer options for on\u2011water towing\/assistance, personal effects\/fishing gear, trailers\/dinghies, and named\u2011storm\/hurricane haul\u2011out reimbursements in coastal states. Some carriers offer mechanical breakdown add\u2011ons for propulsion components (<a href=\"https:\/\/www.progressive.com\/boat\/\">Progressive<\/a>; <a href=\"https:\/\/www.progressive.com\">Propulsion Plus<\/a>; <a href=\"https:\/\/www.boatus.com\">BoatUS\/GEICO Marine<\/a>; <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>; <a href=\"https:\/\/www.travelers.com\">Travelers<\/a>; <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>). For liability, many boaters target $300,000\u2013$1,000,000+ and may add an umbrella policy for extra protection (<a href=\"https:\/\/www.iii.org\/article\/personal-umbrella-liability-insurance\">III: Umbrella insurance<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Boating is best when it\u2019s safe and prepared. The U.S. Coast Guard\u2019s latest Recreational Boating Statistics (most recent data released in 2025 for the prior year) continue to show operator inattention and inexperience among the leading factors in accidents, with alcohol remaining a leading known factor in fatal incidents. Solid boat insurance complements safe operation [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":349167,"parent":1755,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-reviews.php","meta":[],"categories":[1264],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Boat Insurance | Reviews.com<\/title>\n<meta name=\"description\" content=\"In this article, we\u2019ll look at the best boat insurance companies in the U.S., assessing what each provider does best and what type of boat owners will be happiest with their coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/boat\/best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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