Boat Insurance


Navigate Forward with Confidence
Whether you're out on the lake, navigating the river, or sailing the open sea, having the right insurance coverage is essential. 

Coverage options for your boat or personal watercraft include:

  • Personal, Property Damage, and Bodily Injury Liability
  • Trailers
  • Stored Equipment - (tackle, water sports accessories, etc.)
  • Water Towing Service
  • Roadside Assistance
  • Total Loss Replacement

Boat Insurance Frequently Asked Questions

How much does boat insurance cost?
The cost of boat insurance depends on many factors like the type of boat you want to insure, the location in which your boat is stored and used, and the types of coverage you include in your policy. Some policies cost as little as $300 a year.

Do I need boat insurance?
While different states have different requirements, if you are making payments on your boat you may be required to purchase insurance coverage by the bank that financed the loan.

Ready to get a quote?

Kemper provides boat insurance coverages through non-affiliated insurance companies to help you save time and money. You'll be able to customize your coverage during the quote process so you can find a rate that will protect your boat and fit your budget.