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Set Sail With Boat Insurance by State Farm®

Our boat insurance can help protect you against the risks of owning and operating your boat, its motor, and the trailer. On top of that, boat insurance also offers protection against liability lawsuits and medical payments. Talk with a State Farm agent about the specifics and to get a rate.

Call 844-242-1899844-242-1899 to get a boat insurance quote.

What Sets
State Farm
Boat
Insurance Apart

  • We’ve got nearly 19,000 agents nationwide – chances are there's one near you.
  • You get the same reliable service from the largest auto insurance provider in the U.S. 1
  • We've been paying claims promptly and reliably since 1922.
  • You can combine your boat policy with another State Farm policy to save money.

Contact a Local
State Farm Agent

 
 

What Boat
Insurance Covers*

95彩票网址Insure your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft, and collision. The property usually covers 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
  • Oars
  • Electric trolling motors
  • Extra fuel tanks
  • Tools
  • Detachable canopies
  • Seat cushions
  • Life preservers
  • Ski and their tow ropes
  • Dinghies

*95彩票网址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.

Call 844-242-1899844-242-1899 to get a boating insurance quote.

Types of
Boats Insured

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

  • Runabout/Sport Boats
  • Cruiser/Yachts
  • Sailboats
  • Bass/Fishing Boats
  • Jet Skis
  • Houseboats
  • Kayak/Canoes

Boat Liability
Insurance
Coverage

If your boat causes injury to others or damage to other boats, docks, or structures, boat liability insurance has you covered. Injury or damage can be due to direct contact with your vessel or situations caused by your vessel, like large wakes. Boat liability coverage may provide protection against lawsuits, including the payment of settlements and legal fees.

Contact an agent to find out more.

Additional Coverages

Additional coverages are automatically included in your base contract. If you have questions or other insurance needs, contact your agent95彩票网址 to find out what options are available to you.

For a quote, call 844-242-1899844-242-1899

Newly Acquired Boat

Covers your newly acquired watercraft for damage caused by an insured loss, subject to policy conditions.

Temporary Repairs

If damage is caused by a loss insured, we cover reasonable repairs incurred to protect covered property from further damage.

Emergency Service

Pays up to a certain amount for reasonable costs that you incur resulting from specified emergency service to your boat, motor, or boat trailer. Please reference your policy for details.

Wreck Removal

95彩票网址Pays the reasonable expense you incur for any attempted or actual raising, removal, or destruction of the wreck of your boat when damage is caused by an insured loss and removal or destruction is required by law.

Optional Coverages

Learn what new optional coverage endorsements are available in your area.
Contact your agent to find out.

Boat Rental Liability

95彩票网址Provides you with peace of mind that you have proper liability insurance when driving a rental boat on a short-term basis, such as a vacation.

Boat Rental
Reimbursement
and Liability

If your boat is being repaired because of damage that’s covered by your insurance policy, Boat Rental Reimbursement will help pay the cost to rent a boat. You’ll also have the proper liability insurance while driving the rental.

Boat Rented to Others

The Boat Rented to Others Endorsement can help pay for property damage, injury and liability claims made against you if your boat is in an accident when rented to others.

Fishing Tournament
Fee Reimbursement

If you’re unable to participate in a fishing tournament due to a covered loss to the boat, an auto accident involving the towing vehicle en route, or a family emergency, the Fishing Tournament Fee Reimbursement endorsement will reimburse you for non-refundable entry fees.

Incidental
Commercial Fishing

Extends your property and liability insurance if your boat is used for incidental commercial fishing. Business liability is limited to watercraft liability.

Uninsured/Underinsured
Watercraft Coverage

95彩票网址Uninsured watercraft insurance helps pay your medical expenses if you're in an accident caused by an owner or operator who doesn't have boat liability insurance or has inadequate liability coverage limits.

Find a Local State
Farm Agent

 

Get a Boat Loan
From State Farm Bank®

95彩票网址If you’re looking to finance a boat, State Farm Bank offers competitive rates and terms, and no application fees.

Apply for a Loan

Filing a Claim

When accidents happen, we want to make it easy for you to file a claim or check on its status.

Start a Claim

Select a Product

Check the status of a claim

1 Ranking and data from SNL Financial, based on direct premiums written as of 2016.

95彩票网址 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 (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third-party site. Access to third-party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third-party sites.

State Farm Bank ("Bank") is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type or credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

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