Affordable Boat Insurance That Fits Your Life on the Water

Get dependable coverage for your boat, your gear, and your peace of mind — without overspending. Whether you’re docked locally or out exploring new waters, our boat insurance options make it easy to protect what matters most.

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Or, Call (833) 855-3770

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Safe & Secure

Simple, Reliable Protection for Your Time on the Water

From lakes and rivers to open ocean, our boat insurance is built to protect your vessel and your wallet. With flexible coverage options and a simple quote process, you can get insured quickly and confidently — whether you’re cruising, fishing, or just enjoying the ride.

What we cover

Coverage for a Wide Range of Boats—Big and Small

We provide affordable boat insurance for vessels valued up to $1 Million and under 26 feet long. Whether you’re navigating the open waters with a fishing boat, cruising in a pontoon boat, or enjoying the speed of a power boat, we’ve got you covered. Explore our flexible coverage options for different types of boats, and get the protection you need to set sail with confidence.

Fishing Boats

Boats designed for fishing activities, often equipped with features like rod holders, bait wells, and trolling motors for an optimal fishing experience.

Pontoon Boats

Stable and spacious boats perfect for leisurely cruises, entertaining, and family outings on lakes and calm waters. 

Power Boats

High-performance vessels used for water sports, fast cruising, or towing activities, built for speed and thrill on the water. 

Sailboats

Wind-powered boats that offer a serene and eco-friendly way to navigate, ideal for leisurely sailing or competitive racing. 

Looking for Yacht Insurance?

Sun Coast offers insurance for luxurious, privately owned boats designed for leisure and sport, often equipped with sophisticated amenities for comfortable cruising and extended sea voyages.

Get a Yacht Insurance quote

Looking for Personal Watercraft Insurance (PWC)?

Compact, high-speed watercraft like Jet Skis or WaveRunners, built for thrill-seeking and recreational use, perfect for solo or small group rides on lakes and coastal waters.

Get a PWC quote

Discounts

Boat Insurance Discounts That Help You Save More

Safe and responsible boaters deserve every opportunity to save. That’s why a range of boat insurance discounts are here — including multi-policy savings, boating safety course incentives, and more. These options can help lower your premium without sacrificing coverage.

Get a Quote

Or, Call (833) 855-3770

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Multiple Boats

Some programs will provide discounts for insuring multiple boats.

Learn more

Multi-Policy

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

Learn more

Original Owners

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

Learn more

Haul-out Discount

If your boat is out of the water for certain seasons of the year, you may qualify for a Haul-out Discount. 
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Learn more

Build your coverage

Tailor Your Boat Insurance Coverage to Fit Your Sail

No two boats — or boaters — are exactly alike. That’s why we offer customizable coverage options designed to match your needs on the water. Whether you want hull protection, replacement cost coverage, or emergency towing, you can build a boat insurance policy that works for how you ride.

Required

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.

EXAMPLE

After a storm damages your boat while docked, your hull protection coverage can help pay for the repairs, getting your boat back on the water quickly. 
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Recommended

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. 
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EXAMPLE

If your boat is stolen or totaled, replacement cost coverage ensures you receive a new boat of the same make and model, so you can get back on the water quickly.

Towing Coverage

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

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EXAMPLE

If your boat breaks down on the water, towing coverage can reimburse you for the costs of getting your boat safely back to shore, so you’re never stranded. 
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Liability

Covers costs associated with damage or injury to others if you are at fault in a boating accident, including legal expenses.

EXAMPLE

If you accidentally collide with another boat while cruising, liability coverage can handle the repair costs for the damaged boat and medical bills for any injured parties.

Equipment Coverage

Provides financial protection for boat accessories and equipment such as electronics, fishing gear, and safety items in the event of theft or damage. 

EXAMPLE

Should your onboard navigation system and fishing gear be stolen while your boat is docked, equipment coverage can help cover the cost of replacing these essential items.

Storm Coverage

Offers compensation for repairs or replacement of your boat if it is damaged by a storm, including hurricanes, lightning, and hail.

EXAMPLE

When a sudden hurricane causes significant damage to your boat, storm coverage ensures that you can afford the repairs or replacement needed to get back on the water.

The Sun Coast Way

Trust, Simplicity, and Savings:
The Sun Coast Way

Partner with us for seamless and supportive boat insurance. Our dedicated team of agents and customizable, budget-friendly plans ensure you get the coverage you need, exactly when you need it.

Get a Quote

Or, Call (833) 855-3770

3,500+ Agents to Ready to Assist You

Sun Coast has over 3,500 independent agents in Arizona, Colorado, California, Hawaii, Nevada, Oregon, Utah, and Washington.

Savings Centered

We offer you the boat insurance coverage you want, without all the unnecessary extras. When you only pay for the coverage you need or want, you save.

Support

Got questions?

We have answers for you on all things insurance.

Is boat insurance required by law?

While not always legally required, many marinas, lenders, and states may require proof of boat insurance.

What types of boats are typically covered by boat insurance?

Most policies cover fishing boats, pontoon boats, power boats, and sailboats. Personal watercraft (PWC) and yachts may require separate coverage.

Does boat insurance cover my boat while it’s in storage or on land?

Yes, comprehensive boat insurance usually covers your boat whether it’s in storage, on a trailer, or in dry dock. This will depend on your specific policy.

Is my boat covered if I take it outside U.S. waters?

Boat insurance typically covers vessels within a certain distance from U.S. coasts, often within 75 miles, but this will depend on your specific policy. You may need additional coverage for international waters.

Does boat insurance cover damage from storms or hurricanes?

Yes, comprehensive policies generally cover storm and hurricane damage, but certain areas may have specific requirements or limitations. This will depend on your specific policy.

Reviews

See What Our Customers Are Saying

From excellent discounts to incredible support, there is enough to love about Sun Coast Insurance.

“Great rates. Flawless transaction best rates I found!”

Sun Coast Customer

“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”

Amber

Sun Coast Customer

“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”

Chelsea M.

Sun Coast Customer

“They've been the cheapest I've found for years.”

Shantell

Sun Coast Customer

“Great rates. Flawless transaction best rates I found!”

Sun Coast Customer

“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”

Amber

Sun Coast Customer

“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”

Chelsea M.

Sun Coast Customer

“They've been the cheapest I've found for years.”

Shantell

Sun Coast Customer

“Sun Coast is one of the best insurance companies I have dealt with. Customer service went through each detail of coverage and helped me find discounts that my broker didn't even mention.”

Alyson W.

Sun Coast Customer

“Great rates. Flawless transaction best rates I found!”

Sun Coast Customer

“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”

Amber

Sun Coast Customer

“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”

Chelsea M.

Sun Coast Customer

“They've been the cheapest I've found for years.”

Shantell

Sun Coast Customer

“Sun Coast General insured me, and I have to say, their rates aren't so bad. Maybe things will start looking up for me.”

Dennis

Sun Coast Customer

Let’s get you a quote.

We’ll get you safely traveling in no time.

Thank you!

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Looking to get connected now?

Call one of our representatives at (877) 240-4678

Available from 8am to 4pm PST, Monday through Friday.

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“Sun Coast is one of the best insurance companies I have dealt with. Customer service went through each detail of coverage and helped me find discounts.”

Alyson W.

Sun Coast Customer

Protect Your Boat and Your Adventures with Affordable Coverage

Enjoy the freedom of boating with confidence, thanks to flexible and affordable boat insurance designed to protect you from unexpected risks on the water.

Or, Call (877) 240-4678

Boat Insurance Signup

We’ll get you safely traveling in no time

Thank you!

Your submission has been received!
An agent will be in contact with you within 72 hours.

Looking to get connected now?

Call one of our representatives at (877) 240-4678

Available from 8am to 4pm PST, Monday through Friday.

Oops! Something went wrong while submitting the form. Be sure to fill in all areas of the form.

Any Questions?

Get in touch! We’re here to help.

Call for a Quote:

(877) 240-4678

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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships. Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.

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Affordable Boat Insurance That Fits Your Life on the Water

Boat Insurance Discounts That Help You Save More

Trust, Simplicity, and Savings:
The Sun Coast Way

Got questions?

See What Our Customers Are Saying

Thank you!

Looking to get connected now?

Affordable Boat Insurance That Fits Your Life on the Water

Boat Insurance Discounts That Help You Save More

Trust, Simplicity, and Savings: The Sun Coast Way

Got questions?

See What Our Customers Are Saying

Thank you!

Looking to get connected now?

Thank you!

Looking to get connected now?

Trust, Simplicity, and Savings:
The Sun Coast Way