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Boat & Yacht

INDIVIDUAL

COMBINE & SAVE

Or Call 1.888.695.4625 1.555.555.5555 1.777.777.7777 1.888.342.5977 1.844.754.0044 1.855.656.3103 1.844.403.1464 1.844.719.2120 to get a quote. Retrieve a saved quote
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What Does Boat Insurance Cover?

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  • WHAT'S COVERED
  • WAYS TO SAVE
  • FAQ
Get an Insurance Quote for Your Boat or Yacht Today

Get a Boat Insurance Quote Today

It doesn’t take long to get a quote for boat and yacht insurance. For boats, we offer 12-month coverage with our policies. For yachts, our specialized coverages will help provide you peace of mind.

Boat & Yacht Insurance Coverage

More Inclusive Basic Boat Insurance Coverage

Get basic boat insurance coverage with protection for which other carriers may require additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing reimbursement, fuel spills and dinghy coverage.

Uninsured Boater Coverage

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. The requirement for uninsured boater coverage varies by state.

Flexible Coverage Options

You 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 and roadside assistance.

Personal Property Coverage

Protects personal property on the boat including but not limited to fishing equipment, clothing and boating-related equipment such as life vests.

Physical Boat Damage Coverage

This coverage provides protection in the event of a collision such as with a submerged object or another boat.

Liability Coverage

This helps cover costs of bodily injury or damage to the property of others.

Additional Coverage for Yachts

Yacht Insurance

Yacht Insurance Hurricane Haul-Out Coverage

Travelers will share 50% of the cost up to $1,000/per occurrence and $2,000/per policy period to move your vessel to safety during a named windstorm watch or warning.

Dinghies/Tenders
16 feet or less with 50 horsepower or less.

Customized navigation
Territories to match your needs.

Related Products

Jewelry and Valuable Items

Jewelry and Valuable Items

From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

Home Insurance

Home Insurance

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.

Umbrella Insurance

Umbrella Insurance

This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.

If You Bundle Your Policies, You Could Save Up to 13% on Your Car Insurance.1 See how.

Prepare & Prevent

Boating Safety Tips

Boating Safety Tips

Check your boat before departure, bring emergency supplies and use safe boating behavior to help stay safe on the water with these boating safety tips.

Emergency Preparedness Tips and Checklist for Boaters

Emergency Preparedness Tips and Checklist for Boaters

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

Image of a man on his boat out on the water

When Is the Best Time to Buy a Boat?

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

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  • WHAT'S COVERED
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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. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority # 6519; Travelers Property Casualty Insurance Company, Certificate of Authority # 6521. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. Boat and Yacht Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. All underwriting companies listed above are domiciled in the state of Connecticut and are located at One Tower Square, Hartford, CT 06183. 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. Underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle 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, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.