Protect your time on the water.

Marine coverage made simple.

From runabouts to pontoons and center consoles, get coverage tailored to your boat, your waters, and the way you use it—all with fast proofs of insurance when you need them.

Get a Quote • Or call (888) 672‑3453

Boat insurance

Trusted coverage For Every boating lifestyle.

Why Elite Direct Insurance

From first quote to proof of insurance, Elite Direct Insurance moves fast, tailors coverage to your boat and how you use it, shops multiple carriers for value, and backs it with licensed marine specialists.

Fast Turnarounds:
Quotes quickly, and proof of insurance fast once you’re ready to bind.

Tailored Options:
We help you choose coverage that fits your boat and usage.

Multiple Markets:
We shop across reputable carriers to find value and fit.

We Understand Boating:
Speak with licensed specialists who know marine coverage.

Comprehensive protection for your boat, your passengers, and every moment on the water.

What Boat Insurance Can Cover

Hull & Equipment

Physical damage to your boat, motor(s), permanently attached equipment.

Liability (Protection & Indemnity)

Bodily injury and property damage you’re legally responsible for on the water.

Uninsured/Under-insured Boater

Helps if you’re hit by someone without adequate insurance.

Medical Payments

Medical costs for you/your passengers after a covered incident.

Fuel Spill & Wreck Removal

Environmental cleanup and mandated removal after a covered loss.

On‑Water Towing & Assistance

Jump starts, soft ungrounding, fuel delivery when available.

Trailer Coverage

Coverage for your boat trailer (limits vary).

*Coverage, limits, deductibles, and availability vary by carrier and state.

Boat Insurance Company

Each Plan Is 100% Customizable

Popular Add‑Ons

Enhance your policy with smart extras that protect your investment, gear, and experiences—both on and off the water.

  • Agreed Value (vs. Actual Cash Value) for more predictable settlement on a total loss.

  • Total Loss Replacement for newer boats where available.

  • Personal Effects (e.g., rods, electronics, safety gear).

  • Fishing Tournament Fee Reimbursement (where available).

  • Hurricane Haul‑Out participation benefits in coastal areas.

Boats We Commonly Insure

Center Console

Center console

Bass Boat

Bass & bay boats

Pontoon

Pontoon

Sailboats

Cabin Boats

Cabin Boats

Wakeboard

Ski/Wakeboard Boats

Yacht

Yachts

Jetskis

PWC/Jet Ski

What determines your boat insurance cost

What Affects Your Rate?

Several factors influence the cost of your boat insurance. The type, size, and horsepower of your vessel play a major role, as higher-powered or larger boats typically carry more risk. Your personal boating experience and completion of safety courses can help lower premiums, while where you store the boat—whether in a marina, on a lift, or on a trailer—also impacts rates. Insurers consider where you operate your boat most often, your previous claims history, and the coverage limits and deductibles you choose when determining your final quote.

Boat Insurance Provider

Discounts You Might Qualify For

  • Completion of approved boating safety courses

  • Multiple boat policies

  • Claims‑free history

  • Approved storage and anti‑theft devices

  • Bundle with RV or other rec vehicles (where eligible)

How It Works

01.

Tell us about your boat – 3‑minute form or call.

02.

We shop your options – Across reputable carriers to match price and fit.

03.

Review & bind – E‑docs and proof of insurance delivered fast.

What We Need To Quote:

Boat year/ make/model and HIN/ serial

Engine(s): type, year, HP, serial(s)

Usage (pleasure/ fishing/ limited charter) and storage details

Primary ZIP and mooring/ marina info (if applicable)

Operator(s) license history + any prior losses

Current policy (if switching) and desired limits/ deductibles