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Boat insurance with an agent

Choosing insurance for your boat or other personal watercraft can be complex. Our local, licensed insurance agents can help. Call us today! 800-835-0894

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We can help you find the best boat insurance

Comparion's local, licensed agents know the insurance world inside and out. They will guide you through the complex process of finding the right boat, jet ski, and other personal watercraft (PWC) insurance coverage - and help you save money, too!

Quote with an insurance agent

We're ready to offer personalized advice and quotes on condo, auto, life, pet, and more.
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Do I need boat insurance?

While boat insurance isn't legally required in most states, it's generally recommended to protect yourself and your investment. Keep in mind that some states and marinas do require boat insurance, and you will likely be required to get insurance if you are financing your boat with a loan.

On the other hand, insuring your jet ski is not currently legally required in any state, but can be a smart financial decision to help protect you from liability, damage, vandalism, and more.

Regardless of legal requirements, you should be insured if you think you'd experience a financial burden from an accident, theft, or damage to your boat. If you use your vessel in hurricane-prone areas, busy waterways, or in other situations that may present increased risk, insurance for your personal watercraft is advisable.

Illustration of a jet ski

How do I start working with an agent?

Getting a boat, jet ski, or other personal watercraft insurance quote with an agent is quick and easy. Start a quote with just your name, address, email, and phone number, and an insurance agent near you will give you a call to finish the process.

Want to have a conversation first? Find an agent near you and schedule time to talk. We have agents all over the country who are ready to work with you and recommend coverage options that best protect you and your watercraft.

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Illustration of a sailboat

You may opt for additional policy coverage, which could include:

  • New boat replacement
  • Emergency towing
  • Fishing equipment and other sporting or specialty items
  • Extended geographical locations
  • And more - talk to your local Comparion agent for a policy that fits your needs

Jet ski or other types of personal watercraft coverage may be a different type of policy than boat insurance, depending on insurance carrier. Be sure to ask our agents about your options.


How much is boat insurance?

The cost of boat insurance varies widely based on several factors. We recommend getting multiple quotes from different insurance companies to understand your options when it comes to coverage and cost. Our local agents will do this for you, saving time and money.


Do I need specific coverage if I live on my boat?

If you live on your boat, it's important to let your insurance company know. Otherwise, you may be denied a claim. Some insurers offer specific coverage called “liveaboard” coverage to address additional risks associated with full-time residency on a boat.

A local insurance agent can also help you understand other coverages you may want to consider if you live aboard your boat.