{"id":306,"date":"2020-04-24T14:20:53","date_gmt":"2020-04-24T19:20:53","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=306"},"modified":"2025-10-17T17:18:23","modified_gmt":"2025-10-17T22:18:23","slug":"boat-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/boat-insurance\/","title":{"rendered":"Boat Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Boat Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tSmooth sailing with<br>reliable boat insurance\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tGet personalized coverage options to safeguard your boat from damages and liabilities.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n                                Get A Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-4.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-4-200x142.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-4.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-4-200x142.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-4.png\" class=\"img-fluid lazyload\" alt=\"\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        We search for the best insurance at the best price from top-rated carriers.                     <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-between\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/progressive@2x.png\" width=\"165\" height=\"20\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/travelers@2x-v2.png\" width=\"155\" height=\"45.5\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/nationwide@2x.png\" width=\"66\" height=\"70\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/liberty-mutual-logo.png\" width=\"221\" height=\"57\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/foremost-logo.png\" width=\"205\" height=\"46.5\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                    <\/ul>\n                                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n<p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n                <\/div>\n                                    <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Our team was amazing, everyone was willing to go the extra mile for us\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Katherine L                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Great rate. Wonderful customer service\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Elaine W                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">The whole process has been extremely easy\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>First time home buyer, and the whole process has been extremely easy for me with your help.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Clark R                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2>The Basics<\/h2>\n<p>For all you\u2019ve put into your boat and for everything you get out of it, a great policy is an affordable and responsible choice. When accidents happen, it\u2019s our goal to get you up and running so you can get back to doing what you love.<\/p>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tProperty coverage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Your boat, motor, trailer and other boating or sports equipment is protected from a variety of events, including theft, collision and storm damage.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tPersonal liability\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Liability covers damage to property, including other boats, as well as medical expenses for others if you are at fault. Talk to your agent about an <a href=\"\/personal-insurance\/umbrella-insurance\/\">Umbrella Policy<\/a> to protect yourself against costs that exceed your policy limits.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tMedical payments\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Medical bills for yourself, your passengers and others if you\u2019re involved in an accident.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tUninsured watercraft coverage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Boat insurance doesn\u2019t have legal mandates the same way car insurance does, so protection from additional risk is even more important. The right coverage won\u2019t leave you with unpaid bills.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-columns container no-borders\">\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Optional coverages<\/h2>\n<p>Discover additional coverage options to ensure that all of your individual insurance requirements are covered.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>\n<h3>GAP insurance<\/h3>\n<p>If your boat is financed, GAP Insurance can cover the difference between the appraised value and your outstanding balance.<\/li>\n<li>\n<h3>Emergency services<\/h3>\n<p>Don\u2019t get left stranded! Get coverage for towing, labor, fuel, dead battery and more. Policies vary by carrier, but your agent will be able to tell you more about how you\u2019re covered.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-cta-simple mb-7 container \">\n\t\t<div class=\"row\">\n            <div class=\"col-lg-10 mx-lg-auto\">\n                <h2 style=\"text-align: center;\">You could save up to 20% on your insurance by bundling<\/h2>\n<p style=\"text-align: center;\">Save with a multi-policy discount when combining auto, home, renters and condo insurance.<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mt-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\t\tGet Your Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9609 post type-post status-publish format-standard has-post-thumbnail hentry category-specialty tag-boat-insurance tag-specialty-insurance\" id=\"post-9609\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/05\/Blog-Graphic-1027-x-441-48-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/boat-insurance-101\/\" rel=\"bookmark\" class=\"text-dark\">Boat Insurance Coverage: What do I need to know?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Whether you are out on the water, transporting your boat on a trailer, or storing it on dry land, it\u2019s important to have insurance. Insurance protects you from financial losses associated with damage to your boat. Taking the time to get quotes will make getting on the water even better, because you\u2019ll have peace of mind knowing that you\u2019re protected.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/boat-insurance-101\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Boat Insurance Coverage: What do I need to know?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10011 post type-post status-publish format-standard has-post-thumbnail hentry category-specialty tag-rv-insurance tag-specialty-insurance\" id=\"post-10011\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/10\/Blog-Graphic-1027-x-441-1027-\u00d7-441px-3-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-does-recreational-vehicle-rv-insurance-cost\/\" rel=\"bookmark\" class=\"text-dark\">How Much Does Recreational Vehicle (RV) Insurance Cost?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Recreational Vehicle insurance costs will vary widely from one state to the next, similar to car insurance. With three different classifications of RV types, many factors can impact your premium cost\u2014including the size and style of RV you choose. Here&#8217;s everything you need to know about the cost of insuring your RV. <\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-does-recreational-vehicle-rv-insurance-cost\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about How Much Does Recreational Vehicle (RV) Insurance Cost?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-8859 post type-post status-publish format-standard has-post-thumbnail hentry category-home category-specialty tag-vacation-home-insurance\" id=\"post-8859\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/03\/Blog-Graphic-1027-x-441-37-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/vacation-home-insurance-everything-you-need-to-know\/\" rel=\"bookmark\" class=\"text-dark\">Vacation Home Insurance: Everything You Need to Know<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Many people dream of owning a vacation home: a getaway where they can escape and relax whenever the mood strikes. Vacation properties can also be great investments, depending on where they are located. If you\u2019re in the market for a vacation home, it\u2019s important to do the research and learn how to insure your vacation home property. Here\u2019s everything you need to know about vacation home insurance.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/vacation-home-insurance-everything-you-need-to-know\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Vacation Home Insurance: Everything You Need to Know<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-306","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need insurance coverage for my boat? | Rate.com<\/title>\n<meta name=\"description\" content=\"Don&#039;t get left stranded! 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