Boat Insurance Companies
Cover yourself with a reliable marine insurance plan that's tailored to suit your specific needs. Get that perfect plan for you watercraft. Compare multiple quotes and save!

Popular Searches: BoatUS - GEICO - United Marine - Progressive - Allstate - Statefarm - Nationwide

Searching Out the Best Boat or PWC Insurance Quote Options -

1. Boating Insurance Options
The availability of cover, services, and benefits will vary with each of the different boat insurance companies. And its often advantageous to stick with a specialized marine insurance provider (BoatUS) than to rely on general insurance companies that dabble in a multitude of insurance classes. Dedicated Boat or PWC insurance companies know exactly what to ask to ensure that the right coverage is in force.

To make that informed choice its essential to research the various classes of insurance coverage that might be put forward. And, it often helps to have a understanding of the legal obligations and responsibilities of owing a boat - such as having adequate insurance in force, completing a boating course, paperwork (registration & license) and various other requirements - this differs from state to state, with some requiring more cover than the next.

Factors taken into account when calculating a boat insurance quote include - amount of usage, bodies of waters to cruise (inland, great lakes, inshore, or offshore), experience level, mooring - storage location, age and condition of vessel, value to be insured, etc.

2. List of Boat Insurance Companies -
If shopping for boat insurance it's often a difficult decision to choose the right one for you. Opt for a insurance scheme that offers the ideal level of protection in relation to terms, conditions, and restrictions or exclusions.

US Boat Insurance Companies -

Highly Recommended -
BoatUS is a reputable company and offers the best Boat Insurance rates and coverage you can get online. You can get a quick and free Boat or PWC insurance quotation at BoatUS (http://www.boatus.com) without giving your life story away - just fill out the online application form and you'll have your answer in no time.

BoatUS specializes in marine insurance so you can shop with confidence in knowing that you're dealing with an industry leader with a proven track record for getting the best deal in the marketplace.

Go online and check out BoatUS - a great insurance company that has plenty to offer.

UK Boat Insurance Companies -

Australian Boat Insurance Companies -

Canadian Boat Insurance Companies -

3. Types of Insurance Coverage -
All Risks (also called Comprehensive or Full Coverage) is the most popular option and offers the widest form of insurance protection. Accidental damage, fire, theft, collision, and vandalism are standard features to a boating insurance set-up. Protection is offer whether the vessel is in operation or static (on water or laid up ashore).

The Full Coverage policies also incorporate a Protection & Indemnity (P&I) or liability section - this section covers the insured's legal liability for damage against a third-party (either person or property). The limit of indemnity is limited to the amount noted in the policy document.

4. How is a Claim Handled in the Event of a Loss -
Is it a 'Agreed Value' or 'Actual Cash Value' insurance scheme. If a agree value plan is taken out the insured sum is calculated or determined at the time of putting coverage in place - so in essence the value is fixed for the term of the policy. And the actual cash value is calculated on the market value of a vessel and gear at the time of a loss.

The type of insurance coverage makes a considerable difference once it come a dealing with a claim, so be sure to review the policy conditions to see how it operates.

5. Savings to be hand on the Cost of Insurance -
The easiest way to save on the annual cost of boat insurance is to seek out money-saving benefits or discounts as the insurance falls due for renewal each year. Don't just rely on the existing insurance provider to put forward the most competitive terms out there - be proactive and comparison shop to locate the most competitive package. Discounts to be seen - 10% - 15% dual policy discounts - reduced premiums for completing a boat course or holding a qualification.

6. Pre-purchase Inspection or Survey -
If a vessel is 15+ years of age (or less with some boat insurance companies), amateur built, over a certain length, or a particular model know to have a defect - it might be a requirement to have a full out of the water survey report carried out by a qualified marine surveyor. If so requested, the survey report will need to be passed to the insurance company for acceptance prior to putting in force the insurance coverage.

7. Making Adjustments to the Insurance -
Look for insurance policies that offer a flexible approach - if it comes to extending the cruising limits at a later date, what sort of effect will it have on the annual premium. Is it a requirement to restrict the in commission or on water dates - will the craft need to be lay-up ashore between certain dates each year. And are there limits on who can helm the craft. Is it possible to enter a one-off race event (sailboat), or to hire the boat out on Charter at a later date.

Its crucial that the chosen boat or PWC insurance plan is tailored to accommodate the individual needs of the boat owner as this can have an immense effect on the outcome of a potential claim.

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