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Free Boat Insurance Quote

Get a no-obligation, commitment-free quote for your boat insurance. Our team will handle the rest!

Takes less than 5 minutes to complete
Insurance from Marine Experts
Absolutely no obligations

About You

Named Insured *

Last Name *

Street Address *

City *

State *

Postal code *

Date of Birth *

Phone *

Email *

Marital Status

Drivers License Number

Drivers License State

Does the boat owner also own a home? *

Yes

No

Watercraft Information

Type of Boat *

Propulsion Type *

Number of Engines *

Does your boat require diesel fuel? *

No

Yes

Total Horsepower *

Manufacturer *

Model *

Year *

Hull Material *

Length in Feet *

Purchase Date *

Current Value (Not Including Trailer) *

$

Does this boat have a trailer? *

Yes

No

Mooring and Usage

How is the watercraft stored? *

How do you use your watercraft? *

Is there more than one owner (not including spouse)? *

Yes

No

Is the watercraft titled in the name of a company or corporation? *

Yes

No

Prior Boating Experience

Boat Training Completed *

Total Years of Boating Experience *

Final Questions

Have you had any felony convictions in the past 10 years? *

Yes

No

Have you had any boat insurance losses in the past 5 years? *

Yes

No

Is your watercraft currently insured? *

Yes

No

How did you hear about Great Lakes Marine Insurance? *

Date you want this policy to start *

By checking this box, I consent to receive transactional messages related to my account, orders, or services I have requested. These messages may include appointment reminders, order confirmations, and account notifications among others. Message frequency may vary. Message & Data rates may apply. Reply HELP for help or STOP to opt-out.

Frequently Asked Questions

Insurance options can be overwhelming but we're here to help.

How much does boat insurance usually cost?

A helpful guideline is to expect insurance premiums to be about 1% of your boat’s hull value. For example, a $100,000 vessel would typically cost around $1,000 per year. Your actual rate may vary based on factors like navigation area, boating experience, vessel type, and equipment.

Why choose Great Lakes Marine Insurance?

Our exclusive focus on boats and yachts, backed by over a decade of specialized experience, sets us apart. We shop multiple high-quality carriers to secure competitive pricing at no extra cost. Plus, we provide educational guidance, like detailed proposals and clear explanations, to make the insurance process transparent and easy to understand.

What’s the difference between agreed value and actual cash value?

Agreed Value: You and the insurer agree on the boat’s value when the policy is issued. In a total loss, you receive that full agreed amount, without depreciation.

Actual Cash Value: This covers the current market value at the time of loss after factoring depreciation so payout may be lower than the original price.

Will filing a claim increase my premium?

Filing a claim may affect your rate, especially if it reduces or eliminates any loss-free discount. Multiple claims within a short time could also result in higher premiums. Because every situation is unique, we’re here to discuss how a claim could impact your policy.

Is my boat covered under my homeowners insurance?

Usually not. Homeowners policies typically exclude boats. A dedicated marine insurance policy is essential to cover accidents, property damage, medical expenses, and other liabilities.

Does boat insurance include on-water towing?

Yes. Most policies include either direct towing services at no cost or reimbursement after you pay for towing. Coverage specifics can vary, so review your policy or ask about add-ons.

What types of add-ons or endorsements are available?

Common optional coverages include:

- Mechanical breakdown coverage for engine or system failures

- Fuel-spill liability

- Uninsured boater protection

- Medical payments, personal effects, and other custom endorsements for high-value or specialized vessels

How long does a claim take to process?

Processing time depends on complexity. Simple claims may resolve within days or weeks, while more complex cases can take longer. We guide you through every step to ensure timely resolution.