Boat insurance coverage options
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Do I need boat insurance?

boat insurance policy

Even though all but a few states require boaters to pass a boating safety course, most states don’t require boat insurance. However, even if your state doesn’t require boat insurance, that doesn’t mean you should go without it.

Even if you aren’t concerned about theft or damage to your boat or its contents, you are still exposed to liability risks. Without enough liability coverage, you put your passengers’ and your own life savings at risk.

Although forgoing boat insurance may not be illegal in your state, it may be required by your bank or lending institution (if you lease or finance your boat) or your marina (if you rent a dock or boat slip).

What does boat insurance cover?

Boat insurance policies can be customized to cover your boat, your passengers, your personal possessions and yourself. Boat coverage options from Nationwide include:

These are summaries of the coverages typically found in a boat policy.  Please remember that the policy language, coverages and exclusions (as applied to the applicable facts and circumstances) - as well as state law - are controlling. 

Get a boat insurance quote

Nationwide provides insurance for many boat types, including bass boats, deep-sea fishing boats, ski boats, sailboats, pontoon boats, utility boats, speed boats and cabin cruisers.

Ready to get a quote? Call 1-877-669-6877 anytime or visit our boat insurance page and enter your zip code to begin the process.

When getting a quote, be sure to take advantage of Nationwide’s boat insurance discounts, including a discount for completing a boating safety course.

Boat loans

Looking to finance a new or used boat, or to refinance an existing loan? Consider a boat loan with Nationwide.  

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