Boat Insurance
Whether boating is a hobby or a way of life, it deserves the protection of an Amica boat insurance policy. With coverage for liability, theft and damage to your vessel, you’re protected from the unexpected. Our customizable options ensure your investment is secure while fitting your budget and lifestyle, so you can truly relax on the water.
Tailor your boat insurance coverage
Understanding your boat insurance coverage options is key, and with Amica, boat owners can customize their coverage to fit their specific needs. This means more time to enjoy life on the water, stress-free, just as it should be.
Liability coverage
Provides financial protection for causing bodily harm to others or physical damage in a boat accident. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.
Physical damage coverage
This coverage assists in covering the expenses associated with damage to your boat from a covered loss. It can encompass damage to components such as the hull, motors, both attached and unattached equipment, among other elements.
Medical payments coverage
Covers medical or funeral expenses if you or anyone on your boat is injured in an accident. This includes reasonable medical expenses and related costs for those onboard, boarding or leaving the vessel.
Towing and assistance coverage
Covers on-water towing to the nearest safe port if the vessel is disabled due to a collision, total loss, mechanical breakdown or any other issue.
Types of boats we insure
Your homeowners policy generally covers canoes, kayaks, paddleboards and similar items up to a special coverage limit of $1,500. For larger vessels, however, an Amica boat or yacht insurance policy has you covered. Whether you own a sailboat, houseboat or anything in between, Amica offers some of the most comprehensive coverage in the industry.
- Sailboats: A standard type of vessel for leisurely activities on the water. They’re propelled either partially or entirely by sails.
- Powerboats: Also referred to as motorboats, have a propulsion system and are commonly used for cruising, water sports and other activities.
- Fishing boats: Designed and equipped for fishing, these boats are simple to operate and maintain. They often include a trolling motor and are typically used for activities such as fishing and observing nature.
- Pontoon boats: Lightweight, spacious and versatile water vessels popular for inland waters. They include traditional pontoons and tritoons.
- Yachts: These are larger vessels, typically measuring 24 feet or more in length. They often feature amenities such as a galley, stove, head and sleeping accommodations.
- Houseboats: A boat that has been designed or modified to be used has a primary dwelling.
Unlock savings with boat insurance discounts
With Amica, boaters can customize their insurance coverage to fit their specific needs, all while keeping it affordable through available discounts.
Equipment discount
You’re eligible for a credit on your boat insurance if your vessel is equipped with an automatic, built-in fire extinguisher or a diesel engine.1
Safety discount
Receive a discount if you’ve taken a U.S. Coast Guard Auxiliary course, U.S. Power Squadrons course or any course approved by a state boating regulatory authority.1
AutoPay discount
Receive a discount when you opt to pay your premium using automatic deductions.
Why choose Amica?
The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.
Exceptional value
Our approach to boat insurance focuses on you – you’re at the forefront of everything we do. We provide customized coverage ensuring you and your vessel are well protected. With access to a variety of discounts, you have the potential to lower your rates without sacrificing the quality of your coverage, so you can set sail with confidence.
Quality service
We’re here for you, ready to assist with policy management, claims processing and more. Amica stands out among boat insurers for our dedicated support team that has a long history of customer satisfaction. This means you can expect assistance from knowledgeable representatives who understand your individual needs. Whether it’s paying your bill or providing guidance on coverage options, Amica aims to deliver exceptional service at every touchpoint.
Reliable protection
Experience reliability with swift claims resolution to get you back on the water with minimal disruption. Amica policyholders have access to a convenient online portal or the mobile app, where they can easily manage their claims. Policyholders also have access to advanced tools and resources for proactive protection for a seamless insurance experience.
Common questions about boat insurance
While boat insurance isn’t legally required in most states, it may be mandatory if you finance your boat or dock it at a marina. Additionally, having insurance helps protect you from significant out-of-pocket expenses if your vessel is involved in a covered event.
Your homeowners insurance includes a $1,500 special limit for watercraft, typically covering small boats without engines. If your vessel exceeds this limit, it’s wise to consider a separate boat insurance policy for more complete coverage.
Yes, boat and yacht insurance typically includes theft protection and usually covers the actual cash value (ACV) of the vessel if it's stolen.
Like most boat insurers, Amica determines insurance premiums based on factors such as the type of vessel, your location, how you use the boat, the number of engines, horsepower, prior claims and more. You can help manage your costs by applying available discounts to your policy premium.
- Airboats, amphibious land boats or hovercraft
- Boats with more than four owners
- Boats over 40 feet in length
- Boats over 30 years old
- Homemade boats
- Steel or wooden hulls
- Watercraft previously deemed a constructive total loss
Related insurance coverages
Customer service that earns loyalty
Empathy isn't just a word – it's woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.
Get a Boat Insurance Quote
This product may not be available in all states.
1 Discounts may not be available in all states.
AMIC-02-020525