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Insuring a boat — whether it’s a small fishing boat or a luxury yacht — isn’t like insuring a car or a home. Providing boat insurance that meets the unique needs of boat owners requires complete knowledge, and no one knows more about boat insurance than FindBestRates. Our exclusive focus on boat insurance allows us to protect your boat and your passengers with coverage that’s tailor-made to your exact needs, and it won’t break your budget. From jet skis and other personal watercraft to fishing boats to yachts, we will find the right coverage to protect your investment whether it’s on the water or on land. We will also protect you from liability arising from the use of your recreational watercraft.

Complete Protection For Recreational Watercraft

FindBestRates has been recognized as one of the best boat insurance companies in the marketplace because our deep knowledge and understanding of boat insurance means we provide the most complete coverage available anywhere. Your FindBestRates policy offers premier coverage options and service for all of your boating needs, including replacement cost coverage, bodily injury and property damage liability, on-water towing and roadside assistance, and more. Our underwriting specialists can help you create the policy you need for your fishing boat, sailboat, tournament ski boat, jet ski or any other recreational boat you own.

When you choose FindBestRates as your boat owners insurance provider, you’ll be working with one of the most trusted boat insurance companies. We will work with you as an individual, or through the provider of your homeowners and/or auto insurance. Many homeowners insurance companies don’t offer boat insurance, but FindBestRates can work with your provider to augment your existing policies.

Homeowners insurance provides relief in the form of cash or replacement of the contents of the home and the structure itself. It also provides liability coverage against claims from others that may have been harmed on your property. It providescoverage for the use of the home, as well..

Common types of covered watercraft


The most popular type of boat. Powerboats are used for fishing, cruising, pleasure activities, water sports, etc.


Boats that use at least one sail for power but may also have a motor for an additional power source. Insurance for a sailboat without a motor may be more affordable.

Bass and fishing boats

Typically include modifications/features designed for fishing, such as such as trolling motors, power poles, fish finders, etc.

Pontoon boats

These boats are built on pontoons (usually hollow metal cylinders) with flat surfaces to walk or sit on. Many pontoons are designed for slow movement on inland lakes and rivers.

Personal Watercraft (PWC)

Common PWCs include Jet Skis, Sea Doos, Waverunners or similar vessels usually for one to three people.