INSURING YOUR BOAT

Marine Insurance Built By Marine Experts

Boat with confidence knowing you have the right insurance that best suits your boating needs. Boateka has partnered with Boater’s Choice to offer premium coverage options from leading insurance companies, customized for you!

Continuous<br />Support icon Continuous
Support

We handle all policy matters and provide 24/7 claim support.

Competitive<br />Pricing icon Competitive
Pricing

We price your coverage across multiple leading insurance providers.

Comprehensive Coverage icon Comprehensive Coverage

We get you coverage for your specific needs with custom options available.

Quick<br />Quote  icon Quick
Quote

Reach out to receive a free, no-obligation quote within minutes.

Coverage Highlights

We work with leading insurance companies to offer competitive rates and coverage for your boat. 

  • Boater Liability Coverage up to $1,000,000

  • Agreed Value Paid on Total Loss, No Depreciation

  • All Risk Physical Damage Insurance*

  • Broad Navigation Area Allowances

  • Year-Round Boat Protection

  • Automatic Medical Payments Coverage

  • Multiple Liability Options to Suite Your Needs

  • Separate Electronics Deductible of $250

  • Outstanding Cruising Options Available

  • Watersports Liability Included

  • Pollution / Oil Spill Coverage

  • Available in All 50 States

* Subject to policy exclusions

 

What to Do if You Have a Loss

Non-Emergency Claim

You can file a claim online through the insurance portal. A Boater’s Choice or insurance company representative will contact you the following business day. 

Emergency Claims

If you are in imminent danger, call 911 or use your VHF radio to reach out on channel 16.  For insurance claims, please call the phone number listed directly on your policy provider document to get instant support 24/7.

Keep in Mind

Please take the following steps, or your claim could be denied:

  • Immediately report all accidents/claims to Boater's Choice Insurance.

  • Take all reasonable steps to protect the boat from further damage.

  • Do not start permanent repairs or dispose of damaged parts until the insurance company can inspect the damage. 

  • Refer to your policy booklet to comply with any other requirements set forth by your insurance company.

 
 

FAQs for Boat Insurance

Some states don’t require insurance for watercraft. However, some marinas may require you to have insurance, and most banks require insurance if you are financing your boat. It’s generally a good idea to get your boat insured, even if it’s not required.

Please refer to your homeowner’s policy to note any limitations on size or value of boat covered under the policy. Also, many homeowner’s policies cover damage to the boat if it is damaged on your property; damage while it is in water is generally not covered.

All Boateka boats are eligible to be covered under insurance. Depending on the boat you select, we offer the right insurance policy at the right price. 

Once you decide to buy the insurance, we will provide you with the options to pay online and over the phone.

Please see the details provided in your coverage documentation.

You can file a claim electronically and the insurance company’s representative will contact you the following business day. In case of an emergency claim, please call the phone number provided for your policy provider to get instant 24/7 support.