Boat Insurance

Boat Insurance

Start a boat insurance quote and get out on the water.

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Manage Your Boat Insurance Policy

GEICO Marine (formerly Seaworthy) Policyholders

SkiSafe Policyholders


Or call us at (800) 841-3005

Need a boat insurance quote?

Existing auto policyholder?

Get a boat insurance policy to protect your investment.

Boat insurance helps you enjoy peace of mind as you navigate your boat or personal watercraft (PWC). So if you travel across lakes, rivers, or ocean waters of the United States we can help. Whether you're looking for a new boat insurance policy or just to save money on an existing policy, we're can help you get started with a free boat insurance quote.

Make boating better, together. Experience and a name you can trust go a long way when you're shopping for boat insurance. That's why the GEICO Marine Insurance Company has teamed with BoatUS, the nation's largest group of recreational boat owners. Since 1966, BoatUS has been helping to make boating safer, more affordable, and fun. Together, we share a passion for all things boating.

We all want cheap boat insurance rates, but customer service is what matters. Protect your investment with boat insurance you can count on and get your free online boat insurance quote today.

Why do you need boat insurance?

A boat insurance policy helps protect you and your boat. If you don't have a separate boat or PWC insurance policy, you're probably underinsured. Most homeowners policies have:

  • Size restrictions
  • Limitations on horsepower
  • Limits on damage coverage

Customize Your Boat Insurance Coverage

All boats aren't the same. You need to customize your boat insurance to meet your needs and provide your boat with the proper coverage. Boat policies can provide coverage for:

  • Damage to your boat including hull, sails, equipment, and more.
  • New boat replacement
  • Fuel spill liability

What does boat insurance cover?

Service and Claims

When you choose GEICO Boat Insurance, you have access to:

  • Licensed agents as passionate about boating as you are
  • Expert service including 24/7 claims handling and towing
  • Experience you can rely on

24/7 Boat Towing*

GEICO Marine Insurance Company has teamed with TowBoatUS, the nation's largest towing fleet to provide:

  • 24/7 boat towing assistance
  • On the water towing services provided by TowBoatUS
  • Fuel delivery services and more
  • Digital dispatch through the BoatUS app and more

Personal Watercraft (PWC) Insurance Coverage

You can get a boat policy for your PWC. Typical PWC insurance coverage includes:

  • Damage to another craft or dock
  • Physical damage to your PWC
  • Towing assistance

How much does boat insurance cost?

The cost of boat insurance is based on the type of boat, length, number of engines and horsepower, how you use it (recreation, commercial charter, racing, etc.), and how and where it will be stored. All of these factors, including the experience and claims record of the owner will factor into the cost.

You could save even more with these boat insurance discounts.

We know discounts and our licensed agents can help you get them.

Multi-Policy Discounts

If you're a current GEICO Auto Insurance policyholder, you could save on your boat insurance.

Boat Safety Courses

We know that safety comes first when you're having fun on the water. When you pass boat safety courses, you could save money on your boat insurance.

Need to speak with a sales representative?

You can reach us at (855) 395-1412

  • Mon - Sat
    7:00 AM - 10:00 PM (ET)
  • Sun
    8:00 AM - 10:00 PM (ET)

Boat Insurance: Get the answers you're looking for.

  • What types of boats do you cover?

    We can help you find an insurance policy to cover many types of boats on the water.
  • How can you prepare your boat for a hurricane?

    You need to create a hurricane preparation plan ahead of time so you will be prepared and keep your boat safe when hurricane warnings are issued.
  • How do I make a payment or manage my boat insurance policy?

    Managing your policy and making payments is easy in the BoatUS app. You can also manage your policy or make payments online, or by calling (800) 937-1937.
  • How do I report a claim on my boat insurance policy?

    You can report your claim through the BoatUS app. Claims can also be reported online, or by calling (800) 937-1937.
  • What type of coverage does boat insurance provide?

    Boat insurance can provide coverage to protect you and your boat. The policy provides basic coverages and there are optional coverages you may want to add.
  • What services does TowBoatUS's towing coverage provide?

    You can help prepare for the unexpected with boat towing services through TowBoatUS.

GEICO has teamed up with its subsidiary, BoatUS, to bring boaters a policy developed by experts, with the great service you expect from GEICO. Policies are underwritten by GEICO Marine Insurance Company.

When you click "START QUOTE" you'll be taken to the BoatUS website for a secure boat quote. Any information you provide will be subject to the privacy policy posted on their website.

BoatUS—Boat Owner's Association of The United States—is the nation's largest association for recreational boaters providing service, savings and representation for over 50 years.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Boat and PWC coverages are underwritten by GEICO Marine Insurance Company. The TowBoatU.S. Towing Coverage Endorsement is offered by GEICO Marine Insurance Company, with towing services provided by the BoatU.S. Towing Program. Towing coverage only applies to the insured watercraft. This endorsement is not available in all locations and is subject to certain restrictions. Towing coverage is subject to availability and service may be restricted based on the location of the insured watercraft or trailer. Please speak to an agent to discuss details of towing services, limits, exclusions and coverage availability.