Affordable Boat Insurance Quotes & Coverage

Every vessel covered

What types of boats can I insure?

From leisure cruisers to fishing rigs, Orbit finds the right coverage for your vessel — whatever you're sailing on.

Motorboats

Whether for leisure cruising or water sports, motorboats require coverage for damage, theft, and water-related accidents so you can hit the water worry-free.

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Sailboats

With the wind as your power, sailboats need coverage for hull damage, liability, and theft, ensuring safe voyages on open waters and in marinas.

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Pontoon Boats

Perfect for relaxing on the water, pontoon boats require insurance to cover accidents, damage, and personal injury during leisurely outings and family trips.

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Fishing Boats

Ideal for angling adventures, fishing boats need insurance for hull protection, equipment coverage, and liability during fishing trips on lakes and open water.

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Speedboats

Built for thrills, speedboats require specialized insurance for high-speed accidents, equipment damage, and potential liabilities on the water.

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Houseboats

As a mobile home on the water, houseboats need comprehensive coverage for damage, theft, and liability while offering a comfortable on-water living experience.

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Jet Boats & PWC

Powerful jet boats and personal watercraft need insurance covering accidents, mechanical breakdowns, and water-related damages from high-speed use.

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RV & Towables

Already have a boat? Bundle with RV coverage for your tow vehicle and trailer. Our agents can pair policies to keep your entire adventure setup protected.

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Why Orbit

Why Orbit is the best choice for boat insurance

Competitive Rates

We shop multiple carriers so you get the best rate for your boat without sacrificing the coverage your time on the water demands.

Marine Expertise

Our licensed agents understand the unique coverage needs of boat owners and explain every option in plain language.

All Experience Levels

New boater or seasoned captain — we have coverage options for every experience level and usage type from casual weekends to offshore trips.

Any Credit Welcome

Good credit, bad credit, or no credit — your boat insurance rate is built around your specific situation, not just a score.

Online, Phone, or In-Person

Get your boat insured however you prefer — from home, over a quick call, or face-to-face with one of our agents.

Talk to a boat insurance expert

A real agent is standing by to help you find the right coverage for your vessel — no pressure, just honest answers.

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Coverage options

What coverages can I get for my boat?

Boat insurance goes beyond standard auto coverage. Here are the key protections to consider for your vessel.

Liability Coverage

If you're responsible for an accident, liability coverage pays for medical injuries and property damage caused to others on the water.

Collision Coverage

Pays for repair or replacement costs if your boat collides with another vessel or an object, regardless of who is at fault.

Comprehensive Coverage

Protects against non-collision losses — theft, vandalism, storm damage, fire, and flooding — giving your vessel broader protection.

Uninsured Boater Coverage

Covers your damages and injuries if you're in an accident with an uninsured or underinsured boater who can't cover your losses.

Towing & Assistance

Emergency towing, fuel delivery, and on-water assistance if your boat breaks down, so you're never stranded far from shore.

Fishing Equipment Coverage

Protects your rods, reels, tackle, and electronics against covered losses so your gear is as protected as your hull.

The basics

What is boat insurance?

Boat insurance is a specialized policy designed to protect boats and personal watercraft against perils like accidents, theft, and equipment damage. Coverage options include liability, collision, and comprehensive protection. A solid boat insurance plan provides financial security against unexpected damages and losses — whether from collisions, fire, extreme weather, or theft of your equipment while at the dock.

In addition to these core coverages, marine insurance often includes options for personal assets stored on the boat, towing services if the boat breaks down on the water, and coverage for trailers used to transport the vessel. Reliable watercraft insurance protects your investment by covering perils like theft, wreckage removal, collisions, and equipment damage — so you can enjoy the water with real peace of mind.

Good to know

Frequently asked questions about boat insurance

Boat insurance is not legally required in most states; however, lenders and marinas often require it to protect their investment. Even where it isn't mandatory, a solid policy protects you from significant financial losses from accidents, theft, or weather damage.

There's no fixed price — every policyholder pays differently based on boat type, coverage options, experience, and location. Generally, standard boat insurance costs between $300 and $500 per year for basic coverage. High-performance or luxury vessels cost more to insure. Speak with an agent to get an accurate quote for your specific boat.

Boat insurance covers your vessel against hazards like storms, theft, vandalism, equipment damage, and total loss. You pay a monthly or annual premium, and when a covered event occurs, your insurer helps pay for repairs, replacement, medical expenses, or liability claims — depending on your selected coverages and deductible.

Homeowners' insurance may offer limited coverage for very small boats, but typically comes with strict restrictions on value and usage. For meaningful protection against water hazards, collisions, and liability, a dedicated boat insurance policy is strongly recommended.

No specific experience is required to purchase boat insurance. However, more experience on the water can lower your premiums. New boaters may pay slightly higher rates because of perceived risk, while those with a clean boating history typically qualify for better rates.

Yes — with a non-owner boat insurance policy, you can secure liability coverage for a boat you don't legally own but are operating with permission. This protects you from financial liability if you cause an accident while operating someone else's vessel.

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