Coverage that keeps you afloat

What is boat insurance?

Boat insurance offers comprehensive protection that helps ensure your boat, passengers, and personal belongings are covered in case of accidents, damage, or unforeseen events. From the hull to your gear, we’ll help you understand the full range of coverage options available to keep you and your boat safe on the water.

Boat insurance varies by watercraft type, with different policies for small boats, yachts (27+ feet), and specialized uses, like rentals, boat clubs, and professionals (pro anglers, fishing guides, charter captains). Larger boats often require more comprehensive coverage due to greater exposure and travel distances.

What does boat insurance cover?

Boat insurance offers protection to ensure your boat, passengers, and personal belongings are covered in case of accidents, damage, or unforeseen events. From the hull to your gear, we’ll help you understand the full range of coverage options available to keep you and your boat safe on the water.

Property coverage

Property coverage helps repair or replace your boat, including the hull, engine, and electronics, if it’s damaged by accidents, weather, fire, or theft.

Personal property coverage

Personal property coverage covers personal items on your boat, such as fishing gear, water sports equipment, and electronics, if they are lost, stolen, or damaged.

Liability coverage

Liability coverage protects you if your boat causes injury or property damage to others and typically includes coverage for legal fees if you’re sued.

Medical payments coverage

Medical payments coverage helps pay for medical expenses for you and your passengers after an accident, regardless of who is at fault.

Uninsured/underinsured boater coverage

Uninsured/underinsured boater coverage provides financial protection if you’re involved in an accident with a boater who lacks adequate insurance.

Discover how boat insurance helps protect you—contact us today to explore your coverage options.

What does boat insurance not cover?

Boat insurance generally won’t cover routine wear and tear, manufacturing defects, corrosion, or damage from mold, pests, or marine life. Neglect, improper maintenance, and gradual deterioration are also excluded. It’s important to review your policy to ensure you understand your coverage and avoid surprises.

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Is boat insurance required?

Boat insurance is only required in Arkansas and Utah, but marinas and lenders may have their own rules. Even if not mandatory, coverage helps protect against accidents, damage, and liability—letting you enjoy the water with the confidence that you’re better protected.

How much does boat insurance cost?

Boat insurance typically costs between $200 and $500 per year for basic coverage, but rates vary. Factors like your boat’s type, value, coverage limits, experience on the water, and location all play a role. Getting the right coverage helps ensure you’re protected where it matters most.

Why should I get quotes through a broker?

Finding the right boat insurance can be overwhelming, but an experienced broker makes it easier. Here’s how The Baldwin Group helps:

• More choices, better savings: We compare multiple insurers to find the best coverage and exclusive discounts. 
• Tailored coverage: We help ensure you get the protection you need—without overpaying or missing key coverage. 
• Hassle-free shopping: We handle the research and comparisons, saving you time and effort. 

Get expert guidance and the best rates available—contact us today for a personalized boat insurance quote.