Boat Insurance

Name: Boat Insurance
Brand: Allstate

Protect your watercraft and your crew.

The only thing better than a day at sea is knowing that if the unexpected happens, you, your passengers and your boat will be taken care of. Get peace of mind with a comprehensive boat insurance policy from Allstate for about $25* per month.

Boat insurance basics

Coverages & Policies

Learn about the ways Allstate can help protect boat owners.

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Discounts

Find out how you can save money on boat insurance.

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stay covered out on the water.

Take peace of mind on every voyage.

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Get on board with affordable coverage.

The cost of boat insurance may be more affordable than you think. You can look out for your budget with special discounts, in addition to covering your watercraft and your family.

How to compare boat insurance quotes

If you're gathering quotes from multiple companies to find the best boat insurance for you, be sure to choose the same coverages, limits and deductibles for each quote.

Choose your coverage

Take a look at the types of coverage included in the standard policy and consider optional coverages you might want to add.

Consider your limits

Take your personal finances into account when you select the maximum amount your insurer will pay for a covered claim.

Select your deductibles

Some boat insurance coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for every boat insurance quote you request.

Play it safe on the water.

You'll enjoy your voyage even more knowing you're doing your part to protect your boat and your passengers. Simple things like sharing information, carrying a VHF radio and having a navigation system go a long way to keep your journey as safe as possible.

Discover tools & resources to help prepare you for all of your boating adventures.

Boat insurance FAQs

Is boat insurance required?

While boat insurance is not required in most situations, it may help prevent you from paying out of pocket for expenses such as potential medicals bills and repairs for another person's property.

Do I need boat insurance on the off season?

Risks, such as fire or theft, may happen any time during the year, regardless of whether or not your boat is in use. Without boat insurance, you may have to pay out of pocket to repair or replace your watercraft if it's stolen or damaged during the winter months.

What does boat insurance typically cover?

Boat insurance helps you keep your watercraft protected if it's in an accident or damaged by a covered peril, such as theft, fire or vandalism. It also helps protect you and your passengers if you get into an accident. Allstate offers many types of coverage, including medical payments coverage, liability coverage, property coverage and more.

Does boat insurance cover your boat while it's on a trailer?

A boat policy typically helps cover physical damage to your boat, whether it's on the road in or in the water, up to the limits of your policy.

How much is boat insurance?

You can get Allstate® boat insurance for about $25* per month. Cost may vary, however, depending on factors such as the type of boat your own, the types and levels of coverage you purchase and the amount of your deductible.

Resources On Deck To Protect Your Pastime.

*Based on rounded national premium average of about $25 per month. Actual premiums will vary.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

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