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Protect your marine freedom with boat insurance

Do you want to be on the water enjoying your boat? We can make it as easier to get insurance and stay protected anywhere you boat.

When you take to the water, protect your family, guests and your vessel with the best in boat insurance. The boat insurance policy we offer at Insurox is one of the most flexible policies available, designed to provide better and more cost-effective protection.

What does boat insurance cover

A good boat policy provides much broader protection than a simple endorsement to your homeowners policy. An endorsement alone  is probably not enough coverage for your boat. Get coverage that is based on the full value of your watercraft, with appropriate liability limits, and an assortment of coverage options that are right for  you.

Enjoy your time on the water with these coverages:

Physical damage
Total loss replacement option
Emergency Assistance and Towing
Increased limits on liability
Uninsured watercraft
Medical payments
Personal effects coverage

Need additional boat coverage?

Accessory coverage
Trailer coverage
Agreed value or market value hull coverage

Do you use your boat on the weekends or every day?
At Insurox we offer you customized protection to fit your boat insurance needs

Types of boats you can insure

As long as your boat or personal watercraft (PWC) is not valued at more than $350,000 or longer than 50 feet, you can most likely insure it. Usually, it’s as simple as that. However there are some limitations, call us at (888) 546-1099, and we’ll do our best to get you covered.

Most commonly insured vessels


A boat that uses at least one sail for power but may also have a motor for an additional power source. Sailboat insurance costs for vessels without motors are usually a little bit lower.

Pontoon boat

A boat built on pontoons (usually hollow metal cylinders) with a flat surface to walk or sit on. Many pontoons are designed for slow movement on inland lakes and rivers.

Personal watercraft

Common PWCs include Jet Skis, Sea Doos, Waverunners or similar vessels usually for one to three people. You can get very similar coverage, but for the most part, PWCs are more affordable to insure.

Bass boat

This is similar to fishing boat insurance or insurance for any other pleasure watercraft. Consider getting coverage for gear or carry-on items which can get you full replacement cost for all your gear you carry.


These are usually much larger boats that are designed for slower movement and have full kitchens, bathrooms, bedrooms and other common areas. For houseboats, you might want to get our coverage for gear/carry-on items. This will insure your cell phones, fishing equipment, clothes or other personal property on board.