— The SkyBlue Way
Your Boat Is Different. Your Insurance Can Be Too.
Insurance companies don’t all look at boats and boat owners the same way. The type of boat you own, its value, where you use it, how it’s stored and your coverage choices can all affect the options available.
We Listen
Tell us about you, your boat and how you use it.
We Shop
Your Sky-Agent® shops available insurance companies for Boat coverage, pricing and discounts that fit your
situation.
You Choose
We explain the available options in plain language. You decide what’s right for you and your boat.
You can insure responsibly. That doesn’t mean every other boater will.
MORE THAN THE BOAT
What About the Equipment That Goes With It?
A boat may include far more than the basic hull and motor. Depending on the policy, coverage may be available for eligible:
- Motors & Engines
- Navigation Equipment
- Fishing Equipment
- Electronics
- Anchors & Other Boat Equipment
- Other Eligible Accessories
Don’t assume every accessory or piece of equipment has unlimited coverage simply because it’s aboard.
If you’ve invested in equipment or upgrades, tell your Sky-Agent® what’s on the boat.
DON’T FORGET THE TRAILER
Your Boat May Spend Plenty of Time Out of the Water.
For many boat owners, the trailer is an important part of the entire setup. Depending on the insurance company and policy, coverage may be available for an eligible boat trailer and certain related equipment. Your boat can face covered risks while being transported, parked at home, stored at a marina or stored elsewhere for the season.
Off the water doesn’t mean out of harm’s way.
DIFFERENT BOATS. DIFFERENT NEEDS.
What Kind of Boat Do You Own?
Boat Insurance isn’t limited to one type of recreational vessel. SkyBlue can help shop available insurance options for many types of eligible boats, including:
- Powerboats
- Fishing Boats
- Bass Boats
- Pontoon Boats
- Bowriders
- Ski & Wake Boats
- Center Consoles
- Sailboats
- Cuddy Cabins
- Other Eligible Recreational Boats
Your boat’s type, size, value, age, horsepower, use, storage and navigation area can affect available coverage and pricing.
We’ll help you shop from there.
Tell your Sky-Agent® what you own and where you take it.
An Important Coverage Difference
Agreed Value vs. Actual Cash Value
Agreed Value
Actual Cash Value
Don’t compare Boat Insurance on premium alone. Understand how your boat will be valued if something happens to it.
MORE WAYS TO PROTECT YOUR TIME ON THE WATER
Boat Insurance Can Go Beyond the Basics.
On-Water Boat Towing
Fuel Spill Liability
Wreckage Removal
Water Sports Coverage
The right Boat Insurance isn’t only about what you own. It’s also about what you do on the water.
IS BOAT INSURANCE REQUIRED?
Your State May Not Require It. Your Marina Might.
Boat Insurance requirements vary by state and circumstances. While many states do not broadly require recreational boat owners to carry Boat Insurance, requirements can depend on the vessel, how it is used and other factors.
State law is not the only reason you may need coverage. Your marina may require proof of Boat Insurance—often including minimum liability coverage—before allowing you to dock or keep your boat there. If your boat is financed, your lender may also require physical-damage coverage.
Required or not, the bigger question is what you’re putting at risk when you’re on the water.
WHEN YOU’RE NOT BOATING
Stored Doesn’t Mean Risk-Free.
A stored boat may still face losses involving:
- Theft
- Fire
- Vandalism
- Certain weather events
- Other covered losses
Before changing or canceling coverage because your boat is stored for the season, talk to your Sky-Agent® about the protection you may be giving up.
WHAT ABOUT PERSONAL WATERCRAFT?
Jet Ski or WaveRunner?
Personal Watercraft can have different insurance needs from larger recreational boats. SkyBlue can help you shop available coverage for eligible Jet Skis, WaveRunners and other Personal Watercraft.
PRICE & VALUE
How Much Does Boat Insurance Cost?
There isn’t one standard price for Boat Insurance. Insurance companies can consider factors such as:
- Type of boat
- Boat value and age
- Motor and horsepower
- Where you live
- Where and how you use the boat
- Navigation area
- Boating experience and history
- Coverage limits and deductibles
- Storage arrangements
- Available discounts
That’s Why We Shop.
Different insurance companies can evaluate the same boat and owner differently.
SAVE MORE
Boat Insurance Discounts
Multi-Policy
Multiple Boats
Boating Safety Courses
Boating History
Protective & Safety Equipment
Payment Options
ONE BOAT OR SEVERAL
More Than One Boat in the Family?
You may have a powerboat for family weekends, a fishing boat for early mornings or another eligible vessel for a completely different kind of day on the water. If you own more than one boat, tell your Sky-Agent®. Some insurance companies may offer advantages for
insuring multiple eligible vessels.
Shop the Whole Picture
Your Boat Probably Isn’t the Only Thing You Insure.
The company offering the largest discount isn’t automatically the company offering the best overall combination of coverage and price.
WHY SKYBLUE
A Better Way to Shop for Boat Insurance.
Multiple Insurance Companies
Powerboats & More
More Than Basic Coverage
One Boat or Several
Licensed Nationwide
Real Human Help
THE SKY-AGENT® DIFFERENCE
Spend More Time on the Water. Less Time Shopping Insurance.
A Sky-Agent® can shop available insurance companies, explain your options and help you compare coverage and price.
We shop. We explain. You choose.
Nobody Shops Alone.™
Frequently Asked Questions
Boat Insurance FAQs
Straight answers to common questions. Still need help? A licensed Sky-Agent® is ready.
Requirements vary by state, vessel and circumstances. A lender may require coverage for a financed boat, and a marina may require proof of insurance before providing dockage.
The type and value of the boat, horsepower, navigation area, boating experience, coverage choices, deductibles, storage and other factors can affect pricing. Different insurance companies can price the same boat differently.
Depending on the policy, Comprehensive or other physical-damage coverage can help protect an insured boat against covered theft, subject to deductible, terms and limits.
If you’re involved in a covered accident caused by a boater who doesn’t have insurance or doesn’t have enough coverage, UB/UIB may help pay for covered injuries and damages up to your policy limits.
Coverage may be available for an eligible boat trailer, depending on the insurance company and policy. Tell your Sky-Agent® about the trailer when shopping coverage.
Coverage may be available for certain eligible equipment and accessories, but limits and exclusions can apply. Tell your Sky-Agent® what’s on the boat.
On-water towing or assistance coverage may be available. Coverage, limits and qualifying circumstances vary by policy.
Coverage may be available for certain eligible costs or liability arising from a covered accidental fuel or oil spill.
Depending on the policy and circumstances, coverage may be available for eligible costs associated with removing or recovering a wrecked or sunken insured boat.
Coverage may be available for certain eligible recreational water-sports activities. Tell your Sky-Agent® how you use your boat.
With eligible Agreed Value coverage, the insurer and boat owner establish an insured value for the vessel. Actual Cash Value generally considers depreciation after a covered total loss.
A stored boat can still face risks such as theft, fire, vandalism and certain weather-related losses. Talk to your Sky-Agent® before reducing or canceling coverage.
Yes. Some insurance companies may offer multi-boat discounts or other advantages for multiple eligible vessels.
Yes. Participating companies may offer multi-policy savings. Don’t Just Bundle. Shop the Bundle.™
Personal Watercraft can have different insurance needs from larger recreational boats. SkyBlue can help shop eligible PWC coverage.
SkyBlue is licensed nationwide. Available insurance companies, products and eligibility vary by state, boat and individual owner.
BOAT INSURANCE RESOURCES
Know Your Boat. Understand Your Coverage.
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