Affordable Boat Insurance Rates and Discounts on Boat Insurance

Multi-policy discount

Get a discount on boat insurance when you also have auto insurance, powersports insurance or home insurance with Nationwide.

Complete an approved water safety course to get even more savings. Check with the National Association of State Boating Law Enforcement to find out what types of courses are available.

Save by insuring more than one boat on the same policy with our multiple-boat insurance discount. Personal watercraft is excluded from this discount.

Buy a boat powered by diesel fuel and get a discount.

Get a discount on boat insurance by paying your 12-month premium in full.

Save up to 50% on when you buy an affordable boat insurance package. The amount of protection you can get depends on what type of boater you are.

Weekenders – boaters who take their gear onto their boat and off when they are done – can get up to $1,000 for fishing equipment, $3,000 for personal effects and $500 for towing.¹
Overnighters – boaters who spend the weekend or take short trips on their boat – can get up to $2,500 for fishing equipment, $5,000 for personal effects and $2,500 for towing.²
Light Tackle Anglers – boaters who own bass boats or smaller fishing boats – can get up to $5,000 for fishing equipment, $2,000 for personal effects and $2,500 for towing.³
Deep Water Pros – boaters who fish big waters, gulfs, bays and oceans – can get up to $10,000 for fishing equipment, $5,000 for personal effects and $2,500 for towing.⁴

Roadside Assistance is included when you insure your boat trailer with Nationwide. Rental reimbursement is included in all boat insurance packages.