Boat Insurance Quote
What You May Need to Provide for a Boat Insurance Quote
Requesting a boat insurance quote is easier when you know what information your agent will need. Providing complete details upfront helps ensure your quote is accurate and tailored to how you use your boat. Insurance companies review several factors—your vessel, your boating habits, and your experience—to build the right protection for you.
Boat Details Needed for Your Boat Insurance Quote
Start by gathering the basic information about your vessel. Insurance carriers rely on these details to prepare a precise quote:
- Year, make, and model
- Length of the boat
- Hull type and hull identification number (HIN)
- Engine type, horsepower, and whether the engines are inboard or outboard
- Any upgrades or attached equipment
- Trailers, navigation systems, fishing gear, or specialty equipment
Sharing this information ensures your agent can provide the most accurate insurance quote and protect everything you bring on the water.
Owner & Operator Information
The people operating the vessel also play a key role in your boat insurance quote. Be ready to provide:
- Full names and dates of birth
- Boating history and experience
- Completed safety or boating education courses
- Any previous boating claims or accidents
These details help your agent evaluate potential discounts and better understand your risk profile before finalizing your quote.
How You Use and Store Your Boat
Your boating habits impact the coverage you need. To complete your boat insurance quote, your agent may ask:
- Your primary navigation areas
- How often you use the boat
- Whether you store it at a marina, on a trailer, or in dry storage
- The type of activities you use the boat for—recreation, fishing, travel, etc.
- Safety equipment kept on board
Providing this information helps tailor your boat insurance quote to your real-life boating needs.
Extra Protections to Consider
When you request a boaters insurance quote, it’s also helpful to think about additional coverage options, such as:
- Towing & assistance
- Personal effects coverage
- Uninsured watercraft protection
- Fuel spill liability
- Hurricane haul-out coverage
- Trailer replacement or repair
Discussing these options upfront ensures your quote includes the protection that matters most to you.
Learn More About Boating Safety
For helpful safety guidelines and national boating standards, you can visit the U.S. Coast Guard’s Boating Safety Division.
Get Your Boat Insurance Quote Today
Gathering your details ahead of time makes the process easier and ensures you receive a clear, reliable quote. With the right information, your agent can match you with customized protection that keeps you and your boat safe every time you’re on the water.
Disclaimer
Insurance coverage cannot be bound or changed through this online form, an Auto Insurance Quote request, e-mail, voicemail, or fax. No binder, policy, change, addition, or deletion is effective until it is confirmed directly by a licensed agent.