Sailboats
Boats propelled primarily by sails.
Marine insurance built for you
Get boat insurance, backed by Amica's top-rated customer service.
Boat insurance without compromises
With coverage for liability, theft and damage to your vessel, you’re protected from the unexpected while on the water.
Which types of boats can I insure?
Powerboats
Boats propelled primarily by an engine.
Fishing boats
Boats of various sizes propelled primarily with a trolling motor.
Pontoons
Lightweight vessels for inland waters.
Yachts
Larger vessels with luxurious amenities.
Houseboats
Modified boats used as dwellings.
What kind of boat insurance coverage do I need?
Build a personalized marine policy that fits all of your needs.
Liability coverage
Helps cover property damage or injuries to others from at-fault accidents.
Physical damage coverage
If your boat is damaged in a covered accident, we help cover the repairs.
Medical payments coverage
If you or anyone onboard is injured in a covered accident, we help pay for certain medical and other expenses.
Towing and assistance coverage
Helps cover towing your boat to the next port if you’re stuck on the water.
Save your way with boat insurance discounts
Stay safe and save with many ways to get discounts on your policy. 1
Equipment discount
Save when your boat has certain safety equipment aboard.
Safety discount
Take certain boating safety courses and you may receive a discount.
AutoPay discount
Set up automatic payments for your premiums and save.
The more you're protected, the more you save
When you bundle policies, you get more of Amica's world-class service for less.
Boat insurance FAQs
While boat insurance isn’t legally required in most states, it may be mandatory if you finance your boat or dock it at a marina. Additionally, having insurance helps protect you from significant out-of-pocket expenses if your vessel is involved in a covered event.
Yes, boat and yacht insurance typically includes theft protection and usually covers the actual cash value (ACV) of the vessel if it's stolen.
Your homeowners insurance includes a $1,500 special limit for watercraft, typically covering small boats without engines. If your vessel exceeds this limit, it’s wise to consider a separate boat insurance policy for more complete coverage.
Like most boat insurers, Amica determines insurance premiums based on factors such as the type of vessel, your location, how you use the boat, the number of engines, horsepower, prior claims and more. You can help manage your costs by applying available discounts to your policy premium.
- Airboats, amphibious land boats or hovercraft
- Boats with more than four owners
- Boats over 40 feet in length
- Boats over 30 years old
- Homemade boats
- Steel or wooden hulls
- Watercraft previously deemed a constructive total loss
Boat insurance shouldn't be complicated. We make it simpler.
How to Budget for Boat Ownership
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Discounts not available in all states and may vary.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
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