List of boat insurance companies in USA
Here is a list of 50 U.S. companies or agencies that provide boat / watercraft or marine-insurance (or have a marine/boat insurance offering). It’s not guaranteed each one covers every boat type or state, so you’ll want to check specific coverage, limits and region. I’ve included the name and a short note where known.
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Major national insurer; boat & PWC coverage. |
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Boat insurance offered in partnership. |
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Focus on higher-value boats/yachts. |
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Marine/boat insurance offerings. |
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Offers boat insurance for smaller recreational vessels up to ~$350 K. |
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Boat insurance among the coverages. |
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Offers boat cover among many personal-lines. |
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Specialist boat/marine insurance agency. |
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High-value watercraft (yachts etc) coverage. |
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Regional provider; offers boat & personal watercraft insurance in some states. |
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Mutual insurer; “boatowners” listed among product lines. |
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Regional P&C insurer; personal lines include boats. |
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Foremost Insurance Group |
Frequently cited in boat insurance guides as a provider. |
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Global Marine Insurance Agency |
Specialist in charter & rental boat insurance. |
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Ocean Marine Insurance Group |
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All Insurance Underwriters |
Marine insurance specialist (U.S.). |
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InsureWise, LLC |
Marine/boat insurance service provider. |
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Nautilus Insurance Group (a Berkley Company) |
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MHG Insurance Brokers |
Marine & international insurance brokerage. |
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Admiral Insurance Brokerage Corp. |
Offers marine insurance among services. |
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Hylant Group |
Property & marine insurance programs. |
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Pantaenius US |
Marine/yacht specialist (global, U.S. presence). |
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Fastnet Marine Insurance |
UK-based but some U.S./global marine coverage, can apply in U.S context. |
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Haven Knox‑Johnston |
Marine/boat specialist (global). |
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Navigators & General |
Marine/boat coverage focus. |
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American Modern Insurance Group |
Offers boat & personal watercraft coverage (via partners). |
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BoatUS Insurance Services |
Provides boat insurance (via GEICO partnership). |
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Ocean Reef Insurance Group |
Marine/yacht risk specialists (U.S. niche) — though specific site not cited here. |
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Yacht Assure |
Specialist yacht insurance broker (in U.S./international). |
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Marsh & McLennan Companies |
Global broker with marine/boat insurance programs (through subsidiary units). |
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Aon plc |
Global insurance broker offering marine/boat programs. |
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Willis Towers Watson plc |
Global broker with marine insurance practices in U.S. |
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Berkley Marine |
Marine/hull insurance specialist (U.S.). |
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Great American Insurance Group – Ocean Marine / Luxury Yacht division |
Specialized yacht/large boat coverage in U.S. |
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Travelers Companies, Inc. |
Offers boat/yacht insurance among personal lines. |
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Zurich Insurance Group (U.S. operations) |
Large insurer with marine/boat insurance lines. |
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Allianz SE (U.S. subsidiary/affiliate) |
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Aviva plc (U.S./North America operations) |
Marine/boat insurance presence. |
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CNA Financial Corporation |
Listed in marine insurance company list. |
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United States Liability Insurance Group |
Marine/boat cover programs via subsidiary marine lines. |
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W.R. Berkley Corporation |
Parent to several marine/Hull insurance units. |
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AXIS Capital Holdings Limited |
Global specialty insurer; marine hull/liability cover in U.S. |
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Tokio Marine Holdings Inc. |
Global insurer with U.S. marine/boat insurance presence. |
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Liberty Mutual Insurance Group |
Major U.S. insurer that may offer boat coverage through its personal lines. |
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AmTrust Financial Services, Inc. |
Specialty and niche insurer with marine/boat niche potential. |
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QBE Insurance Group Limited |
International insurer with U.S. marine operations. |
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AXA XL |
Specialty insurer offering marine hull & liability in U.S. |
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FM Global |
Industrial/large asset insurer including marine exposures in U.S. |
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RLI Corp. |
Specialty carrier with recreational marine/boat niche programmes. |
Notes for your use
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Some of these are general insurers (e.g., Allstate, State Farm) that include boat insurance among their many lines. Others are marine/boat specialists (yacht insurers, brokers, etc).
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For a recreational-boating enthusiast like yourself (you mentioned interest in hydrofoils, high-performance boards, etc), you’ll want to check coverage for high-performance craft / non-traditional vessels (e.g., hydrofoil boards, kiters, foils). Not all insurers will cover those as standard boat/marine craft.
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Coverage may differ by state, by hull size/value, by type of use (pleasure vs rental vs charter), by age of vessel, by location (inland vs sea/coastal vs Canada border), and by operator experience.
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When comparing insurers, look for things like: agreed value vs actual cash value settlement, cover for towing/trailer/haul-out, personal effects, global navigation if you cruise outside U.S., coverage for foils or high-speed craft, discount for safety course, bundling with other policies, and claims service.
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For your entrepreneurial/gear-focus context (you’re very gear-oriented and performance-driven), you may want to ask: does the policy cover gear onboard/sport gear, high-speed wake/foil events, trailering, off-shore lakes, and haul-out for named storms.
In the United States, insurance requirements vary by state, but carrying proper documentation is always important. While a federal boating license isn’t mandatory, many states require a boater license to operate a motorized vessel. Your insurer may also ask for proof of training, so keep your certificate onboard for full compliance and protection.
