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Boat insurance covers damage to your boat, motor, trailer, and personal items in the boat. It protects the boat owner against liability lawsuits and medical payments. Boat insurance protects most watercrafts with engines including small fishing boats, powerboats, houseboats, yachts, and pontoons.

The average annual cost of boat insurance is a few hundred dollars, though it can run over $1,000 per year, depending on the type of boat and your personal profile. The type of boat, its length, and its expected use will largely dictate your boat insurance rates.

Boats are a good investment if you don't overshoot your budget. If you research your options and go for a vessel that you can afford, nothing trumps the joy of spending time on the water. However, a boat can definitely also be a bad investment. A rule of thumb is to only buy a boat you can afford to pay for i

You're probably not required by law to have boat insurance, but that doesn't mean you don't need it. A few states require that you have liability coverage on certain types of boats, powerboats with more than 50 horsepower or PWCs, for example, or on boats used in state parks or kept in sta

You may be surprised to know that most drivers can qualify for discounts on policy premiums. Insurance discounts are often available to people who purchase multiple types of insurance policies from the same agency. Discounts may also be available to drivers who have anti-theft monitoring devices installed on their vehicles, as well as those who tak

Its easy to find the lowest prices because we put the cheapest car insurance quotes at the top of the page. But the cheapest policy might not be the best to suit you. Do check that it offers everything you need for example, would you need a replacement car or windscreen replacement if your car got damaged.