Boat insurance

On a lake or on the ocean. In a cabin cruiser or a speedboat. We’ve got the boat insurance to help keep you afloat and help you cover your watercraft and the covered property within.

Or have an agent contact me.

A white boat with a teal swoosh down the side sits on a boat trailer.

What sets State Farm® Boat Insurance apart?

19,000 agents

You get a dedicated agent with every policy. If you need a hand, your State Farm agent is ready to help.

Since 1922

You get the same reliable service from the largest auto insurance provider in the U.S.1

At your service

You get your claim handled promptly and reliably.

Profile shot of a white boat with a teal swoosh down the side, one of the many types covered by State Farm Boat Insurance.

Types of boats insured

State Farm offers boat insurance for multiple water-going types.

  • Runabout/sport boats
  • Cabin cruiser/
    yachts
  • Sailboats
  • Bass/fishing boats
  • Pontoons
  • Jet skis
  • Houseboats
  • Wake boats/ski boats
  • Kayak/canoes

What does boat insurance cover?2

Insure your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft, and collision. We even help cover the property in your boat, which usually includes the boat hull, boat motor(s), described boat equipment, and the boat trailer, if requested.

Types of perils we insure against

  • Sinking
  • Fire
  • Theft
  • Storms
  • Collision
  • Capsizing
  • Explosion
  • Stranding

Property coverage examples

  • Boat, motor, trailer
  • Equipment permanently attached to the boat
  • Anchors
  • Electric trolling motors
  • Oars
  • Extra fuel tanks
  • Tools
  • Detachable canopies
  • Seat cushions
  • Life preservers
  • Ski and their tow ropes
  • Dinghies
Learn more about boat coverage

What information do I need to get a boat quote?

Gather a little information about you and your boat to help determine your coverage, deductible and policy cost.

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About you

  • Owned a similar type boat in the last year?
  • Coverage amount desired for the boat and motor (Amount should include the cost of boat, motor, and trailer.)
  • Coverage amount desired for the trailer
  • Deductible amount desired
  • Personal property amount desired (Optional coverage for items like fishing gear, flashlights, portable radios)
  • Liability and medical payments coverage amount desired
  • Completed a safety course? (Copy of the completion certification must be provided for each operator.)
​

About your boat

  • Model year
  • Where is the boat used
  • Length of the boat
  • Horsepower
  • Hull configuration (i.e., flat, round, tunnel, deep v, tri, pontoon)
  • Type of boat (i.e., outboard, inboard, inboard/outboard, sail, personal watercraft, house inboard, house outboard, house inboard/outboard)

Frequently asked questions about boat insurance

Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your safety history, credit score (where permitted by law), and other third-party reports.

A way to help lower your boat insurance premium is to become a safer boater. For example, many insurers offer discounts to boaters who have completed an approved boating safety course. 

Requirements for boat insurance vary by state. Contact your State Farm agent to discuss your specific needs.

State Farm offers insurance for a wide variety of water-going vessels from sailboats to jet skis. Contact your State Farm agent to discuss your specific needs.

Depending on your needs, cost will vary. Liability coverage will be less pricey than comprehensive coverage, but won’t help cover as many potential expenses. Your annual cost could range from under $100 to over $500.

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

Wearing a red hoodie and State Farm polo shirt, a bald and bearded State Farm agent smiles.

Additional vehicle insurance

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Motorcycle insurance

Coverage for your motorcycle

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ATV and Off-road insurance

Coverage for your off-road vehicle

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RV insurance

Coverage for your motorhome

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Travel trailer insurance

Coverage for your travel trailer

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Antique car insurance

Coverage for your antique car

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Car insurance

Coverage for your auto

Simple Insights®

Looking for help protecting your boat? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

A SUV pulls a boat on a trailer.Boat trailer safetyA half sunk boatReporting a boating accidentA smiling couple lean into the shot next to their sailboat.Essential spring boat maintenanceWith orange life vests, a couple enjoy a day on a jet ski.Staying safe on the water

1 Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2022.

2 Our boat insurance policy provides for replacement cost coverage on repairs. Total loss claims are settled on an agreed value basis, meaning you will be reimbursed based on your policy coverage limits.

This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information, see your State Farm agent .

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Tallahassee, FL