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.
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.
