Boat Insurance
Stay protected on and off the water.
From accidents to storm damage, boat insurance helps cover you, your passengers, and your watercraft.
Boat Insurance
Stay protected on and off the water.
From accidents to storm damage, boat insurance helps cover you, your passengers, and your watercraft.
QUICK QUOTES
Get a personalized boat insurance quote now.
QUICK QUOTES
Get a personalized boat insurance quote now.
What Boat Insurance Covers
What Motorcyle Insurance Covers
Liability Coverage
Helps pay for injuries or property damage you cause while operating your boat.
Collision Coverage
Covers repairs or replacement if your boat collides with another vessel or object.
Comprehensive Coverage
Protects against theft, vandalism, fire, or weather-related damage.
Uninsured / Underinsured Watercraft Coverage
Helps cover damages or injuries if you’re hit by an uninsured boater.
FREE GUIDE
Understand Your Coverage & Drive with Confidence
Auto insurance isn’t just about complying with the law it’s about protecting your future. Our Auto Insurance Consumer’s Guide, prepared by the Virginia Bureau of Insurance, helps you:
Learn why and when you should buy auto insurance.
Understand required coverages like liability and uninsured motorist.
Explore optional protections such as collision, comprehensive, medical expense, and rental reimbursement.
Discover how accidents and violations affect your premiums.
Know your rights when filing claims or handling insurance complaints
What Boat Insurance Covers
Liability Coverage
Helps pay for injuries or property damage you cause while operating your boat.
Collision Coverage
Covers repairs or replacement if your boat collides with another vessel or object.
Comprehensive Coverage
Protects against theft, vandalism, fire, or weather-related damage.
Uninsured / Underinsured Motoristiability Coverage
Helps cover damages or injuries if you’re hit by an uninsured boater.
FREE GUIDE
Understand Your Coverage & Drive with Confidence
Auto insurance isn’t just about complying with the law it’s about protecting your future. Our Auto Insurance Consumer’s Guide, prepared by the Virginia Bureau of Insurance, helps you:
Learn why and when you should buy auto insurance.
Understand required coverages like liability and uninsured motorist.
Explore optional protections such as collision, comprehensive, medical expense, and rental reimbursement.
Discover how accidents and violations affect your premiums.
Know your rights when filing claims or handling insurance complaints
Frequently Asked Questions
Is boat insurance required in Virginia?
Virginia does not mandate boat insurance statewide, but marinas, lenders, or local regulations may require it. It’s strongly recommended for financial protection.
Does boat insurance cover passengers?
Yes. Liability and medical payments coverage can help protect your passengers if they’re injured while on your boat.
What if my boat is stolen or vandalized?
Comprehensive coverage helps replace or repair your boat if it’s stolen, vandalized, or damaged by fire or weather.
Does my policy cover my trailer?
Not automatically. You can add trailer coverage to protect against theft or damage.
What if another boater doesn’t have insurance?
Uninsured/underinsured watercraft coverage helps pay for damages or injuries if you’re hit by someone without proper coverage.
Can I get help if my boat breaks down on the water?
Yes. Towing and assistance coverage can help get you and your boat back to safety.
What discounts are available for boat insurance?
Savings may apply if you bundle policies, complete a boating safety course, or maintain a claims-free record.
How often should I review my boat insurance policy?
Review your coverage annually or after changes like buying a new boat, moving, or upgrading equipment.
Protect Your Time on the Water
Your boat isn’t just a purchase, it’s a lifestyle. Protect it with the right coverage, so you can enjoy the water knowing you and your passengers are in good hands.
Protect Your Time on the Water
Your boat isn’t just a purchase, it’s a lifestyle. Protect it with the right coverage, so you can enjoy the water knowing you and your passengers are in good hands.
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