Life on the water should be stress-free
Let us take care of your insurance so you can get back to what’s important
What does Boat Insurance cover?
There are two basic types of coverage that you can purchase for your boat; Liability and Physical damage coverage.
Boat Liability Coverage covers the cost of bodily injury and property damage that you may be responsible for in accidents involving your boat.
Hull Coverage, also known as physical damage coverage, covers your boat from damaged caused by collisions, fire, theft, vandalism and more.
There are additional coverage options for you and your boat, but in most cases, they can be a bit overkill. Don’t overpay for your boat insurance and only get what you need!
Start a Boat Insurance Quote
Insurance can be daunting. The best place to start is with a free quote from Stonewall Insurance Group. We’ll compare all of the top insurance companies to get you the best coverage and the best price.
Other agents might try to cut corners and offer you limited coverage to make your policy seem cheaper, but it might cost you far more in the long run. We take everything about your situation into account, so you know you are getting the best deal around.
It only takes a few clicks to request a quote today!
Benefits of boat insurance with Stonewall Insurance Group
We're on your side
Being that we are an independent insurance agency, we are able to work with the top insurance companies without being tied to one. This means that we can shop around to find you the best coverage for the best price. If a better deal comes up later on, we’ll notify you so you never miss out.
A one-size-fits-all policy really doesn’t fit anyone. That’s why we tailor each and every policy to meet your specific needs. From the occasional weekend lake getaway to a full-blown charter fishing operation, Stonewall Insurance Group can get you the best coverage for any boat insurance situation.
Experience you can trust
Besides having 75+ years of experience in the insurance industry, we love boating, fishing and just being on the water as much as you do. Let us take care of your marine insurance so you can get back to the things you love.
Service with a smile
Over the years, customer service has gotten worse and worse, especially in the insurance industry. At Stonewall Insurance Group, customer service is our top priority, so we always go the extra mile no matter the size of your policy.
Coverage for more than just boats
Stonewall Insurance Group also offers coverage for your Home, Auto, Business, Aircraft, Classic Car, Boat, and more! The best part is that when you bundle coverages, you can save a lot of money!
Looking to save?
Bundle Boat, Home & Auto Insurance
Save up to 25% when you bundle all of your insurance needs with us! We can insure almost anything you own, from your Rental Property to your Airplane!
Boating Safety Classes
Yes, taking a boating safety class will actually help lower your premiums! You will be considered a safer and less risk boater. Plus you might learn a thing or two!
Security Systems & Safety Devices
Installing security systems and safety features on your boat will make it less of a risk in the eyes of an insurance company. Things that you may already have on board, like a fire extinguisher or automatic bilge pump may help you qualify for a discount.
The Right Coverage
Don’t pay for things you don’t need! At Stonewall Insurance Group, we take the time to understand your situation so you know exactly what coverage you need and what might be overkill.
What kind of boat can we insure?
We can insure any boat, no matter the size
FAQ’s about Boat Insurance
Does boat insurance cover engine or motor repairs?
In most cases, no. Boat insurance doesn’t cover the usual maintenance or wear to your boat motor. However, if your engine or motor is damaged due to a covered peril, such as fire, or vandalism, it may be covered under your Physical Damage Coverage.
How much coverage do I need?
The level of coverage you need also depends on many things based on your specific situation. For example, if you run a deep-sea fishing charter, you may want more coverage than someone who just goes for the occasional weekend cruise around the lake.
Is Boat insurance Required?
Boat insurance is not universally required by law in the same way that auto insurance is. However, there are certain situations where boat insurance may be required or strongly recommended:
- State Requirements: Some states or countries may require boat owners to have liability insurance if they operate their boats in certain waters. The specific regulations can vary, so it’s essential to check the local laws and regulations in your area.
- Marina or Lender Requirements: If you keep your boat in a marina or have a loan on the boat, the marina or lender may require you to have insurance to protect their interests. They want to ensure that potential damages or accidents are covered.
- Personal Choice: Even if it’s not legally required, having boat insurance is a good idea for most boat owners. It provides financial protection in case of accidents, theft, damage, or liability claims. It can give you peace of mind and protect your investment.
Have any questions? We're here to help
Contact us today to talk about getting your boat the coverage it needs.