Boat Insurance

How much money could you save by switching boat insurance?

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We make boat insurance easy

Whether you like to boat on lakes, rivers, or on the ocean or use your boat for your business, we can find the coverage you need for a competitive price. Sun Coast Marine Specialists will shop many financially strong insurance companies to get you the coverage you will need, when you need it most. For our Commercial boaters, we have programs to fit your business needs for Charters, Rentals, Fishing Boats, Boat Clubs & Schools, Marinas and more.


Boat insurance that fits your budget

Make sure you're asking about all the discounts you might qualify for.

Multiple Boats

Some programs will provide discounts for insuring multiple boats.


If you've purchased other insurance from one of our programs, you may qualify for a multi-policy discount.

Original Owner

One of the easiest ways to save! If you are the original owner of your watercraft, you may qualify for a discount.

Safety Course

Just complete any state-approved safety course and you may save even more on your boat insurance policy.

Types of Boats We Insure

Price is only one reason why Sun Coast a good choice for Boat insurance. We also make shopping, owning, and servicing your policy easy.


The most popular type of boat, use for fishing, cruising, watersports, and more.


Boats that use at least one sail for power, although they may also have a motor.


See our yacht page for more information.


The right coverage for your boat

Boat insurance isn't just about the premium, it's really about the protection. Here are some of the coverages you can get with your boat insurance policy.

Hull Protection

Watercraft hull and equipment coverage helps pay for repairs or replacement of your boat if it is damaged or stolen. For many boats, our carriers will reduce your deductible by 25% for each consecutive year that you are loss free.

Replacement Cost Coverage

Available on boats up to three years of age. The insurance company will pay for a new boat of the same make, class, size, and type in the event of a total loss, including theft.

Towing Coverage

With some policies boat towing coverage is included. This coverage will reimburse the reasonable cost (up to the limit purchased):

  • Towing to the nearest facility where necessary repairs can be made.
  • Delivery of gas, oil, parts, or a loaned battery (excluding the cost of items themselves) or emergency labor, while away from safe harbor.

Why choose Sun Coast?

Price is only one piece of why Sun Coast is a good choice when shopping for boat insurance. We also make shopping, owning, and servicing your policy easy:

Our customer service team is ready to help with your boat insurance needs.

Looking to get the most out of your insurance?

Sun Coast Blog is your go-to guide for the right insurance for you.

Comparing our carrier's rates and coverage is easy.

Get your insurance quote and start saving today. Want to talk to one of our representatives? Give us a call and we can answer any question you may have.
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