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Boat Insurance

Get a customized policy that will keep you protected while you’re on the waters.

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› Insurance Boat Insurance

› Insurance Boat Insurance

Enjoy the waters with peace of mind

You can relax knowing that if anything happens, you’re protected by Starco Insurance. Boating accidents do happen and while we hope you avoid it, insurance for your watercraft is very necessary for financial security.

We insure all types of boats and watercraft and we cover you on any US lake or river plus ocean waters within 75 miles of the coast.

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Some of our coverages

24/7 Boat Towing

If you run out of gas or your boat stops working

Starco will cover your on-water towing, fuel delivery, soft ungrounding, and jump-starts. You can worry less and boat more.

Liability

If an accident occurs, we cover the damage to others.

In 2019 over 55 million dollars worth of damage was the result of recreational boating according to the Coastal Guard. Boats can be incredibly expensive to repair, so we include liability automatically to keep you covered.

Comprehensive Coverage

Similar to auto comprehensive coverage, we cover the unexpected

In the event that your boat is damaged from non-collision, you will be protected in most cases. Talk with an agent for a full list of coverages.

Collision Coverage

When your boat hits another boat or property, you’re covered.

Your repairs are covered and we’ll get your boat back on the water in no time. When your boat gets damaged, we’ll get it back to its previous condition or better. 

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Not sure what coverages to choose?

Learn more on Starco Answers or talk to one of our expert insurance agents by calling 1-888-400-4004.

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Save on insurance

Bundle insurance to save more

Save up to 10% by bundling your auto policy with your home, renters, or condo insurance.

Discounts for your policy

You may qualify for discounts if you have a good record, you’re a student, or from military. Ask us what discounts are available to you.

Get a Quote

Save on insurance

Bundle insurance to save more

Save up to 10% by bundling your auto policy with your home, renters, or condo insurance.

Discounts for your policy

You may qualify for discounts if you have a good record, you’re a student, or from military. Ask us what discounts are available to you.

Get a Quote

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Common boat insurance questions

Here are some of the most asked questions for car insurance. You can also check out our FAQ page for more.

Is boat insurance required?

Boat insurances is required in only a few states, but if you’re financing a watercraft, you’re almost always required to carry insurance. If you’re leaving your boat docked, the marina that manages the dock may required proof of insurance.

How much is boat insurance?

The cost of boat insurance is calculated based on the type of watercraft, the location of where you’re boating, your prior claims, and the experience you have with boating.

Can you save with bundling boat insurance?

Yes if you already have an insurance policy with Starco, you can get a multi-policy discount. Additionally, if you have proof of boat safety course competition you may be eligible for more discounts.

What does boat insurance cover?

Some coverage is optional, but here is most of what we cover.

For you and your boat:

  • Damage to your boat
  • Uninsured boater protection
  • Liability
  • Agreed value or cash value
  • Fuel spill protection
  • Medical payments
  • Salvage coverage and wreck removal

For others:

  • Damage to another boat
  • Damage to other property caused by your boat
  • Bodily injury/death of another person

Optional insurance coverages:

  • Towing on and off the water
  • Deductible coverage
  • Personal property
  • Fishing equipment
  • Ice/freeze coverage

Starco Answers

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