Boat

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Boat Insurance

Get a boat policy that fits your needs, with discounts that reward you for your experience, attention to safety, and for switching to American Modern.

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Or call 1-866-884-6167 M-F 8-8 ET

Whether you use your boat all the time or just occasionally, you can trust American Modern for your boat insurance.  Boaters have relied on our specialty coverage since 1990. 

What you get with an American Modern boat insurance policy.

Coverage you can customize to fit your boat insurance needs and style.  Need coverage for waterskiing or tubing?  What about fishing tournaments?  Maybe you need lots of coverage for personal items you keep on the boat.  Regardless of your boat insurance needs, American Modern can provide a policy for you.  We provide coverage for all kinds of boats, up to 64 feet in length:

•   Powerboat
•   Sport-fisher
•   Mid-performance
•   Sailboat

•   Bass boat
•   High-performance
•   Pontoon  
•   Hovercraft

•   Ski boat
•   Houseboat
•   Trawler
•   Airboat

Here are some more details on our boat policy coverages.

If the parts on your boat break, an American Modern boat policy pays to replace them.  Protection for parts up to two years old comes standard on our policy.  Want your parts protected for a longer period of time?  You can add coverage that provides replacement cost protection for parts up to five years old.

Here are some frequently asked questions about boat insurance, including some information on why it’s a good idea to purchase a separate boat insurance policy.

Options that save you money.

Looking to save money on your boat insurance?  We offer a number of discounts and deductible options.  We also offer a diminishing deductible.  In many cases, you can pay your premium in installments, which may make it easier for you to budget the cost of your boat insurance.  Find out more about how you can save on boat insurance from American Modern.

A company you can trust for your boat insurance. 

    • Boaters have relied on our coverage since 1990.
    • American Modern is rated A+ (Superior) by A.M. Best. This means we are financially stable, and you can trust us to be here if you ever need us.
    • More than 1.3 million customers countrywide. 
    • In a survey of our customers, 9 in 10 said they plan to renew their policy protection.

Read more about American Modern, including some customer testimonials.

American Modern can provide you with a boat insurance quote that meets your needs. 
Call us at 1-866-884-6167 or fill out our online boat quote form.

Products, coverages and discounts are not available to all persons, in all states or apply to all possible risks. Terms, conditions and exclusions may apply. Rates are derived from a number of factors, which can influence the price, discounts and savings. Your rate may be higher or lower.  Policies are subject to underwriting review and approval. Rates are subject to change. Policies are written by one of the companies of American Modern Insurance Group, which includes American Modern Home Insurance Company and American Family Home Insurance Company.