Compare boat and marine insurance from top carriers. Protect your watercraft with comprehensive coverage for liability, collision, and more.
✓ Marine specialists
✓ Comprehensive coverage
✓ Affordable rates
✓ Fast claims
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All Boat Providers (5)
⛵ BoatUS
★ 4.6000000000000005/5.0
$115 - $490
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Marine specialists
- ✓ Watercraft coverage
- ✓ Liability protection
PROS
- • Marine expertise
- • Flexible coverage
CONS
- • Weather exclusions
- • Limited availability
⛵ Liberty Mutual
★ 4.5/5.0
$110 - $480
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Marine specialists
- ✓ Watercraft coverage
- ✓ Liability protection
PROS
- • Multi-policy bundling discount when boat coverage is combined with Liberty Mutual auto or homeowners policies, which is the carrier's primary distribution model
- • Backed by a Fortune 100 parent (Liberty Mutual Holding Company) with AM Best 'A' (Excellent) financial strength rating and over a century in business (founded 1912)
CONS
- • Boat insurance is not a marquee Liberty Mutual product line — anglers and offshore boaters often get more specialized underwriting from dedicated marine carriers like Progressive, Markel, or BoatUS/GEICO Marine
- • Liberty Mutual has historically scored below the industry average in J.D. Power U.S. Auto Insurance Studies for several regions, and consumer-side reviews on the BBB and Trustpilot frequently cite claims-handling friction — patterns that may carry over to watercraft claims
⛵ Geico
★ 4.4/5.0
$105 - $470
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Marine specialists
- ✓ Watercraft coverage
- ✓ Liability protection
PROS
- • Boat policies are serviced by BoatUS, which operates the largest on-water towing fleet in the U.S. (TowBoatUS, 600+ ports) — claims and dispatch are handled by a marine-specialty organization rather than a generic auto adjuster
- • Optional bundled BoatUS membership benefits (towing reimbursement up to unlimited on Unlimited Gold plans, salvage assistance, on-water fuel delivery) — a perk most generic carriers can't replicate
CONS
- • Boat coverage is not underwritten by the GEICO auto entity — it's written through BoatUS/GEICO Marine, so the Geico mobile app and standard Geico claims line are not the primary servicing channels and customers are routed to a separate BoatUS-branded system
- • Geico Marine generally does not write coverage for very large yachts or high-value vessels (typical maximum hull values are well below specialty yacht insurers like Chubb or Markel), so high-end boaters often need a true yacht policy elsewhere
⛵ Progressive
★ 4.3/5.0
$100 - $460
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Marine specialists
- ✓ Watercraft coverage
- ✓ Liability protection
PROS
- • Marine expertise
- • Flexible coverage
CONS
- • Weather exclusions
- • Limited availability
⛵ State Farm
★ 4.2/5.0
$95 - $450
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Marine specialists
- ✓ Watercraft coverage
- ✓ Liability protection
PROS
- • Marine expertise
- • Flexible coverage
CONS
- • Weather exclusions
- • Limited availability
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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