Boat & Watercraft Insurance

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Boat & Watercraft Insurance

When it comes to boat insurance, it's usually advisable to have your boat insurance separate from your homeowner's policy. There are limitations to many homeowner's policies that limit or do not cover marine-specific risks like salvage operations, wreck removal, pollution, or environmental harm. 

Read on to find out all the important information before getting your boat insured at Stampede Insurance. 

Factors That Impact Costs

Many of the same factors that determine vehicle insurance rates also affect boat insurance rates, but there are some differences to consider. Some of which include the following:

Type Of Boat

The higher the value of a boat, the more it costs to insure it. Yacht insurance, for example, is nearly always more expensive than pontoon insurance since yachts are more expensive.


Your boat must meet U.S. standards to be regarded in excellent condition. The boat's construction must also meet the Coast Guard safety standards. 


Older boats are less expensive to insure, especially if they have only had one owner. Aside from the age of the boat, your age will also be examined. You're likely to get better rates if you're between 25 and 60, as you will have had enough experience driving a boat and will be seen as less risky to insure.

Boating Safety Education

Proper certifications and permits must prove that you have been formally trained in boat safety and management.

What we offer

You can rely on our knowledgeable experts to help you get the right insurance policy for your needs. The following are just a few of the many options we have to offer in terms of insurance:

  • Physical Damage Coverage - You can protect your boat while it is in storage and in transit by adding this coverage to your policy. Theft, fire, lightning, vandalism, and other perils are all included in this policy, even if your boat isn't in the water.
  • Liability Coverage - When an accident occurs between your boat and another vessel, dock, or other boaters, this coverage will come in handy.
  • Personal Liability - Protecting you or a family member in the event of an accident that results in another person's injury.
  • Medical Payments - Covering medical expenses in the event that you or another boat passenger gets involved in an accident.
  • Property Damage - Damage to another person's property that may occur while using your watercraft.

Consult one of Stampede Insurance Services' trained agents to ensure you have the correct coverage at a reasonable price. We can assess your boat or jet ski insurance needs and identify any additional coverages you may require, as well as any discounts you may be eligible for. Additional savings and coverages may be available, including:

  • Accident forgiveness
  • Roadside Assistance
  • Boat Removal
  • Boating Safety
  • Multi-policy discounts

Frequently Asked Questions

Here are some answers to commonly asked boat insurance queries to consider before signing off with a boat insurer.

How does insurance work on a boat?

A motorboat, sailboat, or personal watercraft may be covered by boat insurance if it is stolen, involved in an accident, or damaged by a covered risk such as fire or lightning. Boat insurance may also protect you if you harm or damage someone else's property while operating your boat.

Is boat insurance worth investing in?

Boat insurance is a sound investment when you own a boat. Insuring a boat is similar to insuring a car or a house, and it's vital to get the right coverage for your needs.

Does boat insurance cover lower unit damage?

Damage to your boat's lower unit is usually covered as long as it was caused by a covered event, such as colliding with another object. Remember that typical wear and tear is not covered, so make sure you maintain your boat correctly every year.

Owning a boat is not always glamorous because maintaining it and ensuring it's protected as an asset in case something bad happens is not ideal. However, enjoying boat life with your favorite people is more sound with the right boat insurance providers. 

Discover your boat insurance options by contacting Stampede Insurance today for an initial quote.

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