Explore Products Claims About Us Resources 1-855-347-3939 , Call Us Log In Boat Insurance Get specialized boat insurance for as little as $100 per year* (See Disclosure) PRODUCT Boat ZIP Code Enter the ZIP Code where your boat is kept during boating season. EXPLORE BOAT Discounts, coverages, & more Continue previous quote›Find an agent› Home InsuranceBoat Insurance Progressive simplifies boat insurance We give you the freedom to boat wherever you'd like on any lake or river in the U.S., plus ocean waters within 75 miles of the coast. And, we drop the common requirements and restrictions other insurers may force on you, so you get the protection you need to get on the water right away. For example, we don’t require a navigation plan or marine survey, which could cost around $600 for a 30-foot boat. We insure over 1 million watercraft, and we can help insure yours, too With over 35 years of boat insurance experience, we know how to keep you afloat. 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.†† (See Disclosure) Don’t see your watercraft listed here? Call us at 1-855-347-3939 and we’ll do what we can to get you covered. Bass & fishing boats› Boats built specifically for fishing, with features like trolling motors, power poles, etc. Pontoon boats› Boats built on hollow metal cylinders for cruising on lakes and rivers Powerboats› The most popular type of boat, used for fishing, cruising, watersports, and more Personal watercraft (PWC)› These include Jet Skis, Sea-Doos, WaveRunners, and similar watercraft meant for one to three people See more types WAYS TO SAVE A boat insurance policy that offers more in savings See why we’re way above water when it comes to boat insurance companies. Get a boat insurance quote online and we’ll automatically apply each discount you’re eligible for. Multi-policy Is your home, car, motorcycle, or RV insured with us? You could save even more on boat insurance if you have another Progressive policy. Multi-boat You’ll earn a discount 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. Safety course Anyone can save. Just complete any state-approved safety course to save even more on your boat insurance policy. See all discounts Boat insurance that covers those choppy waters We automatically include liability to pay for damages and injuries you cause if you hit another boat, person, dock, buoy, or something else. Plus, we offer comprehensive and collision to pay for damage to your boat in addition to other protections and benefits that you may not get with every insurer. See all coverages SOME OF OUR COVERAGES Sign & Glide® on-water towing† (See Disclosure) If you run out of gas or your boat breaks down on the water, Progressive’s optional Sign & Glide coverage pays for on-water towing, fuel delivery,** (See Disclosure) soft ungroundings, and jump starts. We even arrange for the tow and pay the tow operator directly (in most cases). Simply download our Sign & Glide app on your smart phone and you’ll never worry about an on-water breakdown. More on Sign & Glide. Example: You run out of gas in the middle of a lake. If you added this protection, 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, we always bring your boat back to its previous condition or better, and never depreciate the value of any of your parts. Example: Four seats are damaged on your 10 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. We’ll pay the full $1,000 for all new seats. That's an $800 difference! Propulsion Plus® Add Propulsion Plus and we 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. Propulsion Plus is optional and starts at just $38/ per year. Compare that to the thousands you could pay out of pocket to fix it on your own. Example: Your lower unit is 10 years old and simply runs its course and dies on you. Typically, normal wear and tear wouldn’t be covered by insurance. But if you add Propulsion Plus coverage, we pay to repair or replace your lower unit. Wreckage removal & fuel spill Wreckage removal and fuel spill coverages are automatically included in every Progressive boat insurance policy. If your boat sinks or you’re responsible for a fuel spill, we cover the bills all the way up to your policy’s property damage liability limits. We only remove your sunken boat if it’s legally required. Example: Your old boat sinks while docked. The Coast Guard may require you to remove the wreckage and address any fuel spills. Just contact us to file the claim, and we cover the costs. Insurance limitations for boats and PWCs When it comes to boat insurance, Progressive boasts some of the broadest acceptability in the business. But there are some types of vessels that can’t be added to a new or existing Progressive policy: Boats over 10 years old and worth more than $500,000 Boats 11-20 years old and worth more than $250,000 Boats more than 20 years old and worth more than $60,000 Boats used as a primary residence (live aboards) Houseboats that do not have motors Homemade boats without a hull identification number Boats with more than two owners Boats with steel or wood hulls All amphibious land boats, hovercraft, or airboats PWCs worth more than $27,000 Boats that do not meet published U.S. Coast Guard standards We also cannot insure boats over 50 feet in length. In some hurricane-prone states, the limits can be 35 feet and $175,000 in value. Common questions about boat insurance How much is boat insurance? Your price for boat insurance is based on numerous factors, including: Location: Watercraft insurance is generally more expensive if you boat in a coastal state. You may pay less for boat insurance in states where boating is not a year-round activity. Boat type: The year, make, and model of your watercraft will affect your policy’s cost. Boating history: Experienced boaters are less likely to have an accident on the water and will often pay less for boat insurance compared to inexperienced boaters. Prior claims: If you have a history of boat insurance claims, you could pay more to insure your boat and for liability protection. Boat insurance policies are generally affordable. More than 75% of Progressive’s boat insurance customers pay their policies in full. Is boat insurance required? Boat insurance is mandated in only a few states but, if you’re financing your watercraft, you’re typically required by your lender to carry comprehensive and collision coverage. Additionally, if you dock your boat, your marina may require you to show proof of liability coverage. Does boat insurance cover theft? Comprehensive coverage protects against damage to your watercraft from incidents out of your control, including theft. Comprehensive doesn’t come standard on your boat policy; it must be added, and is usually required by your lender if you finance your boat. Does boat insurance cover pets? Progressive pays up to $1,000 for veterinary bills or death benefits if your dog or cat is injured or killed in a covered boating accident. More questions about boat insurance? We have Answers Want to learn more about boat insurance before casting off? Use Progressive Answers as your go-to guide for all things insurance. Boat insurance 101› Learn how boat insurance works and what a standard policy covers. How much is boat insurance?› Find out the average cost of insuring a boat and how much it varies by region. What is collision insurance?› Discover how collision coverage can protect your boat if it collides with another object. Bundle and save› See how you can combine boat insurance with another policy to save an additional 5%. Quote boat insurance and be covered for as low as $100/year* (See Disclosure) Get a quote Or, call 1-855-347-3939 Insurance Car Insurance Home Insurance Progressive Answers Explore All Products Our Company About Us Careers Investors Newsroom Quick Links Continue Previous Quote Report a Claim Make a Payment PerkShare Connect 1-855-347-3939 Contact Us Progressive App Become a Partner Search / Keywords Facebook Instagram Twitter YouTube Lifelanes Contact Us Site Map Accessibility Services Technical Help Privacy & Security Terms of Use Insurance Resources RANKED #1 WEBSITE FOR EASE OF USE Copyright 1995 - 2021. Progressive Casualty Insurance Company. All Rights Reserved. We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Δ Disclosure Discount varies and is not available in all states or situations. * Disclosure Annual premium for basic liability policy is not available in all states. † Disclosure Sign & Glide® is an optional coverage you can add to any Progressive boat policy and costs $30/annually ($50/annually in Florida). ** Disclosure Cost of fuel not included. †† Disclosure Not available in all states. × We'd welcome your feedback! Thank you for visiting our website. You have been selected to participate in a brief customer satisfaction survey to let us know how we can improve your experience. The survey is designed to measure your entire experience, please look for it at the conclusion of your visit. This survey is conducted by an independent company ForeSee, on behalf of the site you are visiting. No, thanks Yes, I'll give feedback