Boat or Yacht Insurance
Travel protection is offered by our trusted partner, Travel Insured International, through InsuraMatch, LLC, a Travelers-owned insurance agency.
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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.
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Motorcycle insurance is offered by our trusted partner, Dairyland®, through InsuraMatch, LLC, a Travelers-owned insurance agency.
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Flood insurance is offered by our trusted partner, Neptune Flood, through InsuraMatch, LLC, a Travelers-owned insurance agency.
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Protect your adventures with boat or yacht insurance
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In aerial footage, a motorboat travels beneath logo: Travelers. Text: Marine coverage.
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Your boat-owning journey is more than a hobby.
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It's a lifestyle. Travelers offers a variety of coverage options for the marine way of life.
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Text: Our marine experience is the difference.
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Our marine experience is the difference.
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Our dedicated team understands the unique risks boaters face, giving you support backed by years of industry experience.
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Select the coverage you need with tailored quotes, competitive pricing and valuable discounts.
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We offer end-to-end protection with options to help cover what matters most, your passengers, boat and equipment,
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Two jet skis drive past each other. A single boat drives through open water, followed by four boats in open water. Text: Damage caused by submerged objects or storms, optional mechanical breakdown and 24-hour on-water towing, asterisk.
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from damage caused by hitting a submerged object and storm damage to options like mechanical breakdown and 24-hour on-water towing.
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Text: Asterisk, available in U.S. and Canadian waters with Premier On-Water Towing and Assistance coverage subject to policy terms and conditions. Reimbursement will be up to the units of your policy and excludes the cost of fuel, oil, parts or loaned battery. There are no guarantees that an authorized service provider will be available in an emergency situation. If that is the case, immediately contact the U.S. Coast Guard or appropriate state, local or federal government agency. Towing assistance is provided through Compass Marine Service.
A jet ski whirls in a tight circle. Text: Prompt hands-on support.
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And if a claim arises, you get prompt hands-on support from knowledgeable claim professionals so you're back on the water as soon as possible.
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Protection for a wide variety of vessels. In aerial footage, sailboats, motorboats and larger ships dock below.
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From personal watercraft to luxury yachts, Travelers offers trusted and dependable coverage designed for the boating lifestyle and your own boating journey.
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A boat drives around in a circle beneath logo: Travelers. Text: Get a quote today.
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Logo: Travelers. Text: This material is for informational purposes only. 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 stated here 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 in individuals meeting our underwriting criteria and state availability. Not all features available in all states. Savings may vary and are not guaranteed. Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square Hartford, CT 06183. In TX: Boat Insurance underwritten by TravCo Insurance Company, One Tower Square, Hartford, CT 06183. Copyright 2025 The Travelers indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of the Travelers Indemnity Company in the U.S. and other countries.
We care about protecting what matters to you. From personal watercraft to sailboats, fishing boats to luxury yachts, Travelers offers insurance solutions designed with many types of boats in mind. Make sure your watercraft and everyone on board are protected with coverage that addresses your specific watercraft needs. Get a boat or yacht insurance quote and get ready to enjoy your time on the water – knowing you’re backed by protection you can trust across our diverse range of marine offerings.
Why do I need boat or yacht insurance?
We know your watercraft represents both a significant investment and an important part of your recreational life. Boat or yacht insurance can help protect what matters to you – your vessel, your passengers and your financial well-being.
The liability coverage in your boat or yacht insurance demonstrates our commitment to helping protect you financially if you cause injury to others or damage their property while using your boat or yacht.
Medical payments coverage provides reimbursement for injuries to you and your guests. We’re also there for you when unexpected challenges arise, with towing reimbursement coverage available on boat or yacht insurance policies. For enhanced protection, TravAssist Boatside® Premier On-Water Towing and Assistance coverage is available to help provide extra peace of mind while boating.
What does a boat insurance or yacht insurance policy cover?
We’ve designed our boat and yacht insurance policies with your protection in mind. Our base boat and yacht insurance policies include essential protections to help protect you and your vessel, such as:
- Uninsured/underinsured boater coverage
- Towing assistance and reimbursement
- Personal property coverage
- Physical boat damage coverage
- Boat liability coverage
We’re committed to helping you choose the boat or yacht insurance that encompasses your boating needs and helps provide the care and protection you deserve.
What’s the difference between a boat and a yacht?
Watercraft come in many shapes and sizes. Generally, we classify watercraft under 27 feet in length as boats, while vessels 27 feet and longer are considered yachts.
This distinction helps us provide coverage that works with your specific needs and risks associated with different watercraft sizes.
Yacht owners typically need different coverage due to the higher value of their vessels, more complex systems and extended cruising capabilities. Our yacht policies include enhanced features designed specifically for these larger vessels, while our boat policies are crafted to efficiently and affordably protect smaller watercraft.
Not sure which category your watercraft falls into? Our marine specialists can help determine the policy for your specific watercraft, regardless of classification.
Boat insurance coverage: What watercraft are protected?
Travelers offers insurance protection for a wide range of watercraft to meet your specific needs. We offer policies for watercraft including, but not limited to:
Pontoon boats
Protect your pontoon boat with insurance options specifically designed for these popular vessels. Whether you use your pontoon for leisurely cruises or entertaining guests, our policies can help safeguard your investment.
Personal watercraft
Get protection for personal watercraft. Our coverage helps protect against physical damage, theft and liability claims, allowing you to enjoy these vessels with confidence.
Center console fishing boats
Designed for the avid angler, coverage for center console fishing boats helps protect your vessel whether you’re casting in coastal waters or inland lakes. Our boat insurance options can help you worry less on your fishing adventures by providing protection for your vessel.
Classic/antique boats
Preserve your maritime heritage with specialized coverage for classic and antique boats. These unique vessels often require special consideration for their historical value and restoration costs, which our policies are designed to address.
Contact a Travelers representative or independent agent today to learn more about our affordable coverage options for your specific type of watercraft.
Yacht insurance coverage options
Your yacht is more than just a vessel – it’s a lifestyle and a significant investment that deserves exceptional care. Our premium yacht insurance provides dependable protection for your vessel, including physical damage coverage, liability for injuries or property damage, personal effects coverage and emergency assistance when you need it most.
Our team of marine specialists is dedicated to protecting your investment whether you’re in familiar waters or embarking on longer journeys. With adjustable navigation limits and responsive claim specialists ready to help, your investment remains protected while you enjoy your time on the water.
How much does boat and yacht insurance cost?
Boat and yacht insurance costs vary based on the state where you use your watercraft and the coverage options you select. Our team works with you to find a balance of comprehensive protection and affordability that works for you. For instance, boating insurance options – such as agreed value policies – will generally cost more than actual cash value policies. If keeping boat and yacht insurance costs down is a priority, we can help you explore options like choosing a higher deductible to reduce your policy premium. Please note, the higher your deductible, the more you are responsible to pay out of pocket in the event of a covered claim. Depending upon the state where the watercraft is used, boat and yacht insurance policies can be purchased at a very reasonable price.*
Ways to save
Bundling multiple policies and taking safe boating courses are just a couple of the ways that can help you save money on boat insurance and yacht insurance while maintaining the quality protection you deserve.
Boat and yacht insurance discounts
Travelers offers a range of discounts to help you maximize savings while maintaining quality protection for your watercraft.
- Multi-vessel discount - You may be eligible for a discount when you insure more than one boat or watercraft on a single policy.
- Boat insurance discounts for education - Complete approved boating safety courses to potentially reduce your premium costs.
- Yacht lay-up discounts - Save during seasons when your yacht is stored and not in use.
- Pay-in-full discount - Choosing to pay your entire premium at once rather than in installments may make you eligible for a discount.**
- Early quote discount - Requesting a quote before your existing policy ends may help you qualify for a discount on your boat or yacht insurance premium.**
- Loss-free discount - Boaters who maintain a history free of claims may qualify for a special discount on boat or yacht insurance.
**Not available in all states, including CA.
Bundle and save
Bundle your boat with yacht, auto or home policies for potential savings on premiums and simplified policy management. Enjoy streamlined coverage with consolidated billing and protection for your watercraft, vehicles and home.
Got questions? We have answers.
Explore common questions that are asked before, during or after purchasing boat or yacht insurance.
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