Boat Insurance FAQs

How much is Boat Insurance? 

Boat Insurance rates are calculated by many factors including age, boat type, boating history, coverages, and location. 

What does Boat Insurance cover? 

Boat Insurance may help cover different types of boats if it’s stolen, in an accident or damaged by fire or lightening. Boat Insurance does not cover wear and tear, the boat owner is responsible for maintaining the boat to keep it in tip-top shape.   

Do I need Boat Insurance?  

Boat Insurance is a great option to protect your personal watercraft and you or the people on it. You can purchase comprehensive and collision coverage for your boat, just like auto insurance. 

Is Boat Insurance required?  

Most states do not require Boat Insurance. However, Marinas or storage facilities do require some form of insurance to use their facility. 

Who is Boat Shield? 

Boat Shield is a brokerage powered by Prosper Insurance with the technology to compare insurance rates specifically for boats and personal watercraft. Boat Shield has boat experts, ready to help educate, protect, and navigate you through the waters of boat insurance. 

What is your financial/insuring rating? 

Boat Shield has relationships with top-rated A+ boat and personal watercraft insurance partners. Boat Shield is your guardian for boat insurance to help you receive the right policy for your boat. 

What states are you licensed in? 

Currently, our focus is on Virginia, where our company is located. However, we are available to provide insurance in Georgia, Tennessee, Maryland, North Carolina, South Carolina, New York, New Jersey and more.  

What type of boats does Boat Shield insure? 

Boat Shield helps provide insurance for fishing boats, sailboats, yachts, speed/motor boats, pontoons, jet skis and much more! 

How is Boat Shield able to get multiple quotes in 4 minutes? 

Boat Shield is powered by Prosper Insurance with the technology to make requesting multiple insurance quotes easier than ever. Simply enter your boats information in our easy fill in funnel and we’ll do the heavy lifting by comparing rates with our top insurance partners like Nationwide, Travelers, Progressive and more. Then our team will help to educate and guide you to find the best policy that fits your needs.

How does Boat Shield manage claims? 

Boat Shield has boating experts on our team! We are available to help you file a claim so you can get back on the water and enjoy your boat.