Boat insurance
Boat insurance
Boat insurance discounts
From bass boats to yachts, having the right boat insurance policy is critical no matter what type of vessel you own. If you're looking for cheap boat insurance but still want reliable coverage, make sure you take advantage of Nationwide's boat insurance discounts. We offer a wide range of discounts to help our members save - take a look at the boat insurance discounts below to find one that fits your needs and your budget.
Save on boat insurance rates with these discounts
Multi-policy
Get a boat insurance discount when you combine your home, boat, vehicle or life insurance policies.
Multi-boat
Save when you insure more than one boat. Personal watercrafts are excluded.
Boater safety course
Earn savings when you complete an approved water safety course. Check with the National Association of State Boating Law Administration to find out what types of courses are available.
Diesel fuel
Get a discount when you buy a diesel-powered boat.
Paid in full
Get more affordable boat insurance rates when you pay your 12-month premium in full.
Claims-free renewal
Receive a discount at renewal if you remained claim-free during the prior policy term.
Boat insurance packages
Save money on your insurance when you buy a boat insurance package. We have a wide-range of packages available for different types of boaters:
- Weekenders. If you take gear onto your boat and remove it when you’re done, you can get coverage up to $1,000 for fishing equipment, $3,000 for personal effects and $500 for towing.
- Overnighters. If you spend the weekend or take short boating trips, you can get coverage up to $2,500 for fishing equipment, $5,000 for personal effects and $2,500 for towing.
- Light Tackle Anglers. If you own a bass boat or smaller fishing boat, you can get coverage up to $5,000 for fishing equipment, $2,000 for personal effects and $2,500 for towing.
- Deep Water Pros. If you fish big waters, gulfs, bays and oceans, you can get coverage up to $10,000 for fishing equipment, $5,000 for personal effects and $2,500 for towing.
Roadside Assistance is included at no additional cost when you insure your boat trailer with us. Rental reimbursement is an optional coverage that is available for any boat insurance package.
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[1] Average annualized savings on condo and auto premiums, compared to stand-alone price of each policy, based on national sample from March through May 2024. Actual savings will vary based on state, policy coverage selections and rating factors.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declarations pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.