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Boat Insurance

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BoatUS and GEICO have teamed up to bring boaters a great boat insurance policy at a great price. Serviced by boating experts our coverage options for boaters of all kinds can’t be beat.

Check out our policies and add-on coverage options for a custom policy you can only find here.

The best marine insurance protection for your boat, engine and gear. Pays you the most in the event of a claim — the agreed value when you buy the policy for total losses and parts are replaced "new for old." Available for all boat types, excluding PWC.

This boat insurance coverage lowers your premium by paying you the current market price for your boat in the event of a total loss. Recommended for smaller boats, personal watercraft and boats without a lien holder.

Our lowest cost marine insurance policy providing essential liability coverage to protect your assets without the added cost of hull coverage. Includes salvage and wreck removal. Available for boats with no lien holder.

Custom Add-on Coverage Options

Provides liability coverage that may be required by a marina's dock contract.

Allows for paid passengers for the purposes of fishing, sight-seeing, or day cruises. Maximum of 6 passengers onboard plus the captain while being used for charter.

Usually excluded, this endorsement provides coverage for ice and freeze damage if you have your boat winterized by a marine professional.

Provides a guarantee for claims-related repairs made at an approved facility for as long as you own and insure the boat through BoatUS. (Available with Agreed Hull Value Coverage only.)

This endorsement lowers the deductible for claims relating to the dinghy and/or the dinghy's motor resulting from theft or damage to $100.

This endorsement lowers the deductible for claims relating to navigational electronics to $250.

Provides coverage to the lower unit of the insured outboard engine and outdrive due to mechanical breakdown which is usually excluded in the policy. Available with Agreed Hull Coverage only. Disappearing deductible does not apply. Click here for additional information.

Coverage for fishing and watersports equipment and personal items such as cell phones, tablets, stereos and clothing lost or damaged while on board or while being loaded or unloaded from the boat. For competitive anglers or water sport enthusiasts, Tournament Reimbursement fees are also covered under Personal Effects.

To ensure that you or your family do not incur large out-of-pocket expense if injured onboard, our policies also include an additional $25,000 for payments not covered by any major medical policy. This coverage is in addition to the medical payments limit you select with your policy.

Get Unlimited Towing from TowBoatUS at our lowest price - as little as $3 a month for the insured boat. Pricing varies with the length and location of your boat. Click here for additional information.

When you insure your trailer, roadside assistance while trailering your boat is included.

Unlimited Towing from TowBoatUS – the Nation’s Largest Fleet

Add Unlimited Towing to your boat policy for as little as $3 a month based on boat size and location.

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Paying your insurance premium is quick, easy and affordable with auto-pay and installment payment options. View All Payment Options

For a quote, visit our Online Application or call 800-283-2883 for personal service.

All coverage is subject to terms, conditions, limits and exclusions of the policy. Not all policy options are available in all states. Boat and PWC policies are underwritten by GEICO Marine Insurance Company with administrative offices at 5323 Port Royal Road, Springfield, VA 22151. GEICO Marine Insurance Company is domiciled in Omaha, NE, and coverage is offered in all 50 states and the District of Columbia to boat owners with a U.S. address. View the GEICO Marine Insurance Company Privacy Policy & Notice of Collection .

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Boat Insurance

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Whether you're looking to start a new policy or find savings on an existing one, we're here to make boating better. Get started with a free boat insurance quote today and benefit from competitive rates without compromising on service. Protect your peace of mind and enjoy the waters with confidence, knowing that you have reliable coverage from names you can trust.

Why do you need boat insurance?

A boat insurance policy helps protect you and your boat. If you don't have a separate boat insurance policy, you're probably underinsured. This could mean paying a lot out of pocket for accidents outside your control. Many homeowners policies cover minor boating risks but don't cover your needs sufficiently due to:

• Size restrictions
• Limitations on horsepower
• Limits on damage coverage

Boat insurance can provide coverage for:

• Damage to your boat including hull, sails, equipment, and more.
• Fuel spill liability
• Liability to pay for damages and injuries you cause if you hit another boat, person, or dock
• Medical coverage for you and persons in your boat.
• Wreckage removal

Check out our "boating insurance explained" video for more reasons why boat insurance is a smart idea.

What types of watercrafts are covered by boat insurance?

All boats aren't the same. You need to customize your boat insurance to meet your needs and provide your watercraft with the proper coverage. Here is a list of the most common types of watercrafts.

• Pontoon boats are one of the most popular inland water boats. They are a flattish boat that rely on floats to remain buoyant. Their wide and spacious area is great for many passengers to enjoy the ride.
• Personal watercraft (PWC) are powered by a water jet pump and the rider generally sits, stands, or kneels on it. There are many types of PWCs which include WaveRunners, Sea-Doos and more.
• Fishing and bass boats are designed and equipped for fishing. Most are powered by an outboard motor and are equipped with power poles, trolling motors, etc.
• Powerboats are the most popular type of boat used for cruising, watersports, and so much more.
• Sailboats are propelled partly or entirely by sails.

If you don't see your watercraft listed and are looking for more information on different types of boats and insurance for boats, check out our boat FAQ page .

What does boat insurance cover?

Understanding the different types of boat insurance coverage is crucial for ensuring your watercraft and your finances are protected against on-water incidents. At GEICO, we offer a variety of coverage options to suit every boater's needs, including:

Liability Coverage

Essential for all boat owners, liability insurance covers damages and injuries to others if you're at fault in an accident. This includes costs associated with injuries, property damage, and legal fees.

Hull and Equipment Coverage

Hull and Equipment Coverage protects your boat if it collides with another vessel or object. It also covers non-collision-related damages to your boat, such as those from fire, theft, or storms.

24/7 Boat Towing*

Boat towing coverage assists with towing costs and provides emergency services if your boat breaks down or you get stranded, so you can have peace of mind on the water.

Each type of coverage provides specific protections, allowing you to customize your policy according to your boating lifestyle and the risks you might encounter. Whether you're a casual weekend sailor or a dedicated marine enthusiast, understanding and selecting the right boat insurance coverages can make all the difference. Choose the boat insurance coverage that best fits your needs and sail with confidence knowing that GEICO has you covered.

How much does boat insurance cost?

Boat insurance is based on the type of boat, length, number of engines and horsepower, how you use it (recreation, charter, racing, etc.), and how and where it will be stored. All of these factors, including the experience and claims record of the owner/primary operator will factor into the cost of boat insurance.

Boost Your Savings With our Boat Insurance Discounts

GEICO offers several boat insurance discounts to help make coverage more affordable for boat owners. Some discounts include:

Multi-Policy Discounts

Save on boat insurance by bundling it with your GEICO Auto or additional GEICO Marine policy.

Boat Safety Courses

Discounts are available for boaters who have completed an approved boating safety course such as State Certified Safety , American Sailing Association Course , U.S. Power Squadrons , Charter Boat Captain's License, and U.S. Coast Guard Auxiliary .

Full-Pay Discount

Paying your policy in full upfront instead of in installments can lead to savings.

It's always a good idea to speak directly with a GEICO representative for the most current information regarding discounts and how you might be able to apply them to your policy.

Secure Your Boat Insurance Today

Don't wait until it's too late to think about protecting your boat. At GEICO, we offer tailored boat insurance policies designed to meet the unique needs of every boater.

Take action now! Get a free, no-obligation quote today, or speak directly with one of our specialists. They're available to answer your questions and guide you through your policy options, ensuring you have the perfect coverage for your boating lifestyle.

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Boat Insurance FAQ

• Is boat insurance required? Boat insurance liability coverage is only mandated in a few states, so always check insurance requirements for the state you're boating in. Physical damage coverage is required by your lender if you're financing your boat or watercraft. If you keep your boat at a marina, the marina may require you to have liability coverage.
• Liability to pay for damages and injuries you cause if you accidentally hit another boat, person, or dock

There are some types of watercrafts that are not eligible for a GEICO boat policy including but not limited to:

• Airboats, amphibious land boats or hovercraft
• Boat with more than 4 owners
• Boats over 50 feet in length
• Boats over 40 years old
• Boats valued over $2,500,000
• Floating homes
• Homemade boats
• Houseboats that do not have motors
• Steel hulls
• Wooden hulls
• Watercraft previously deemed a constructive total loss
• Does boat insurance cover theft? Our Agreed Hull Value, and Actual Cash Value policies protect against damage to your watercraft from incidents out of your control, including theft.
• How do I make a payment or manage my boat insurance policy? Managing your boat insurance policy and making payments is easy in the BoatUS app. You can also manage your policy or make payments online , or by calling (800) 283-2883 .
• How do I report a claim on my boat insurance policy? You can report your claim through the BoatUS app. Claims can also be reported online , or by calling (800) 937-1937 .

GEICO has teamed up with its subsidiary, BoatUS, to bring boaters a policy developed by specialists, with the great service you expect from GEICO. Policies are underwritten by GEICO Marine Insurance Company. BoatUS—Boat Owner's Association of The United States—is the nation's largest association for recreational boaters providing service, savings and representation for over 50 years.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Some discounts, coverages, payment plans, and features are not available for all customers, in all states, or in all locations.

*Boat and PWC coverages are underwritten by GEICO Marine Insurance Company. The TowBoatU.S. Towing Coverage Endorsement is offered by GEICO Marine Insurance Company, with towing services provided by the BoatU.S. Towing Program. Towing coverage only applies to the insured watercraft.

Average Boat Insurance Cost (With 15 Examples)

Getting your boat insured can be quite a complicated process if you’ve never done it before, and getting an accurate average price can be almost impossible without spending entire days researching all the various insurance companies.

When I got my first boat I spent two entire weeks looking through all the insurance possibilities, reading all the clauses in the contracts, and getting quotes from all the possible companies. 

When I got my second boat and I had to get it insured I already knew everything that there is to know about boat insurance so I managed to solve everything in just a couple of hours. So to help others that are entirely new to this process I decided to write this guide that will let you know everything that there is to know about insurance, from the average prices, to what influences those prices, to all the things that you have to be careful about.

The average boat insurance cost is around $300 per year ($25 per month), but depending on the type of insurance prices can vary between $150 and $500 per year ($12,5 and $41,5 per month).

Table of Contents

15 Examples of Average Insurance Prices

For those examples I went to multiple insurance companies and requested insurance prices for them for 15 different boats. In this article you will see that there are different types of insurances. For those examples I requested an insurance that will cover basic liabilities, so no extras.

So those are the average insurance costs that I got from multiple insurance companies. But it;s very important to keep in mind that I requested the most basic insurance, so if you want to get some extras you might spend some extra $50 or $100.

Another thing to keep in mind is that the insurance price will differ based on a lot of factors, when I requested a price for the examples above I tried to keep things as average as possible. So I assumed I have no prior experience with boats, very minor driving incidents, that the boat will be used at least a couple of days per month, and that I have an average credit score.

Those things are very important because they can influence the prices quite a lot. So let’s take a closer look at those factors and how they influence the insurance cost.

Factors That Influence Boat Insurance Cost

Use of the Boat , depending on how you will use your boat the cost will increase or decrease accordingly. If you will take your boat out for fishing 3 or 4 times a year then the rates will be quite small, but if you will take it out every weekend for watersports then the rites will be higher.

Boating Experience , having a few years of experience with boats will make the rates cheaper, while having no prior experience will increase them.

Motor Vehicle Driving Record , most people don’t expect this to come into play but it does, and it’s really important. If you have a bad driving record it will reflect in the rates that you will have to pay for your boat insurance.

Other Drivers Experience , when you apply for boat insurance you will be asked who will be driving, and adding a person with no boating or driving experience to the list will increase the cost.

Boat Insurance Records , if you had multiple incidents in the past, your rates will go up.

Horsepower , the more horsepower your boat has, the higher the rates will be, but don’t let this discourage you from getting the boat you want, the increase in price is not that significant.

Specs of the Boat , this includes the year it was made, the model, the maker, inboard or outboard motor, etc.

Credit Score , insurance companies have found that a person with a lower credit score is statistically more prone to boating accidents. So a person with a low credit score will have to pay more for their insurance.

Ways to Reduce the Cost of the Insurance

Depending on the company that you choose, there might be some ways to reduce the cost of the insurance. Sometimes a company won’t put those information on their front page, so you might have to speak to somebody and ask them if they are available.

Multi-policy , most insurance companies will give you a discount if you already have some kind of insurance with them. So if you have your car, or your house already insured call those companies and ask them if they insure boats, and if they offer a discount.

First Owner , make sure you mention that you are the first owner, some companies will offer you smaller rates if you are the first owner. Most companies will ask you about the condition of the boat, but saying that the boat is in good condition, and saying that the boat is brand new can sometimes make a difference.

Changing Companies , if you already have an insurance but you are not pleased with it, mentioning this to another company can get you quite a considerable discount, if you want to change the insurer.

Multiple Boats, ensuring multiple boats will most often result in better rates, but make sure that you mention this from the start and don’t insure separately.

Association Member , if you are a member of an association like the United States Coast Guard Auxiliary (USCG) or United States Power Squadron (USPS), most companies will give you a discount.

Pay in Full , if you pay everything from the start, instead of monthly rates you will obtain quite a significant discount.

Safety Course , if you complete any state approved safety course you will obtain better rates from the insurance company. In the first year this won’t necessarily save you any money, but the next year you won’t have to pay for the course again and the discount will still be there. And since you took a safety course you will also be less likely to hit your boat.

Basic Insurance vs Comprehensive Insurance

Another important thing that will drastically influence the price is the type of insurance that you will get.

Basic insurance will usually only cover liabilities and it’s the cheapest option. What this insurance includes can vary slightly from company to company, but in general you can expect them to include:

• Property damage liability: Covers harm done to another person’s boat, dock, water skis or other possessions
• Pollution liability: Covers you in the event of a fuel spill
• Wreckage removal: Covers your legal obligation to remove debris after an incident

Comprehensive insurances will usually come with multiple options and they include the ones mentioned above, as well as medical treatment, damage to your own boat and some other stuff depending on the company. This option is usually more expensive, but in my opinion it’s usually worth it since a lot of basic insurances don’t cover the damage inflicted to your own boat, and of course the medical treatment.

If you only go fishing a few times a year in calm waters, the basic insurance is probably what you need. But if you want to every weekend of the summer on the boat, then a more comprehensive insurance might be better for you.

Final Thoughts

The price of the insurance can vary depending on a lot of factors, but most of those factors won’t change it that much. In most cases a person will have factors that increase and factors that decrease them, for example a person might not have any boating experience so this will add to the insurance coast, but he will have a very good credit score which will reduce the insurance cost.

But as I said in the beginning of the article on average you can expect to pay around $300 for the boat insurance.

John Rivera

My name is John Rivera and I am the creator of BoatingRepublic.com. I’ve been a boat owner for more than 30 years, and a boating instructor for 10 years.

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How Much Does Boat Insurance Cost?

You’ve purchased a boat or plan to soon and look forward to enjoying yourself on the water. But how can you protect your investment? Boat insurance is a great place to start. And if you’re wondering how much it costs, you’ve come to the right place.  We will dive into all the aspects that affect the price of boat insurance premiums (age and type of boat, cruising area, driving records, deductibles, coverage limits, and more) and share tips and tricks for lowering these costs.  Read on for an in-depth look into everything you need to know before you buy boat insurance.

Factors Affecting Boat Insurance Costs

Insurance is a typical cost of boat ownership , but it doesn’t have to break the bank. The following factors can play a role in the price tag that your insurance carries:

• Cruising Area and Navigation Limits : Some locations may be cheaper than others. Freshwater coverage is usually less expensive than sea cruising.  
• Boating Safety Education and Certification : The more prepared you can prove yourself to be, the lower your premium.  
•   Boating and Driving Records : How you drive on water and land will affect how much your policy costs.  
• Type and Size of Boat : Different boats have different coverage costs, though price usually determines this.  
•  Age and Condition of Boat : Newer and nicer boats cost more to replace and, therefore, typically cost more to insure. Vintage boats with difficult maintenance may also carry a higher price tag.  
• Deductible and Coverage Limits : Plans with higher deductibles and less coverage will have cheaper premiums but will cut less of the bill when accidents occur.

These factors show the importance of considering boat insurance costs before purchasing your watercraft. You will want to ensure the premium fits your budget before committing. However, factors like boater education and safe driving records allow you to lower the cost of insuring the boat you already own. 

Understanding Boat Insurance Premiums

A simple, liability-only boat insurance premium typically costs between $200 and $500 annually . When you start to cover your boat instead of just damage to others, the costs shift to falling between 1% and 5% of your boat’s value. The exact numbers within this range are determined by examining the above factors and subtracting discounts the provider may offer. Most premiums include amounts to cover a combination of the following areas:

• Liability : Damage done to an item your boat harms (boats, docks, etc.).  
• Physical damage : Based on the agreed-up value or the actual cash value of your watercraft.  
• Medical payments : In case anyone in your care gets hurt during a boating accident .  
• Personal property : For lost or damaged fishing equipment, trailers , etc.  
• Uninsured watercraft : For other boats that harm your boat but don’t have their own coverage to pay for your repairs.  
• Towing : Pulling your boat back to land if it breaks down on the water.

We’ll cover discounts that can lower these amounts in the next section of this post.

Cost-Saving Tips for Boat Insurance

Bundle insurance policies.

The easiest way to save on boat insurance costs is to bundle your policy with home or automotive plans. This saves you money without sacrificing the coverage you need.

Keep Boating and Driving Records Clean

It’s also essential to maintain a clean boating record. Your rates will likely rise if you’re involved in accidents or illegal actions on the water. But more surprisingly, you also need to ensure your inland driving record stays clean. Road records are taken into account when pricing boat insurance policies as well.

Install Safety and Security Features

Some plans will also provide discounts when you install safety and security features on your boat. One of the most common safety features is an onboard fire suppression system, which can be as simple as built-in fire extinguishers.

Take a Boating Safety Course

Enrolling in boating safety courses is another easy way to lower your premium while keeping you safer on the water. 

This article and video are sponsored by  Progressive Insurance®

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Yacht Insurance

Finding the perfect coverage has never been easier.

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Yachts are a luxurious way to be on the water, but owning a yacht means having the right insurance in the event of damage or being destroyed. Because of their price, repair or replacement is likely to be very expensive making the proper coverage crucial for boat owners.

Before using your yacht, an independent agent can work with you to create a customized yacht insurance policy to your specific watercraft, its value, and how you use it. 

Boating Statistics

No one likes to think about the dangers of boating, but accidents can happen and it's best to be prepared in the event that you face unexpected hardship. Whether you hit another boater, have an incident with a passenger, or your boat is damaged while being transported or docked, lots of things can lead to a financial headache for you.

Here are some statistics about boating accidents.

• Cabin motorboats, which include yachts, accounted for 14% of all boating accidents
• Only about 20% of all boaters who drowned were on vessels larger than 21 feet
• Operator inattention was cited as the leading cause of accidents involving cabin motorboats

What Is Yacht Insurance and What Does It Cover?

Yacht insurance is a specialized type of boat insurance for luxury boats. Yachts can be used for personal as well as commercial use, so insurance policies must be created to accommodate each of those needs. 

While yachts, like most boats, depreciate over time, they still generally have a much higher than average value. Because of their high values, a standard boat insurance policy may not provide enough coverage for your vessel.

The components of yacht insurance are similar to standard boat insurance coverage.

• Bodily injury and property damage liability: Covers the costs associated with injuries or property damage you cause to another person, as well as legal fees. If the liability limits in your yacht insurance policy are not adequate to protect your assets from a lawsuit, you may want to consider buying an umbrella liability policy , which provides a much higher liability limit.
• Collision coverage: Pays for damage to your boat after a collision with another boat or object.
• Comprehensive coverage: Covers non-collision damage or loss, including theft, fire, vandalism, or damage caused by an object other than another boat.

Additional yacht insurance options to consider

• Uninsured/underinsured boaters insurance:  Covers any damage or injuries from an accident with an uninsured or underinsured boater. Since boat insurance is rarely required by law, if you have a significant amount invested in a vessel, this is a good insurance option to discuss with your agent. 
• Medical payments coverage: Covers medical expenses and funeral expenses for anyone on that is injured, entering, leaving or while on your boat.
• Equipment and personal effects coverage: Pay to repair or replace damaged or lost items such as gear, fishing equipment, cameras, and other personal belongings.

An independent agent can work with you to determine the appropriate coverage for your needs. Because these agents work with multiple insurance companies, they can help protect all of your interests with a broad range of insurance coverage, all from one agency office.

Is Yacht Insurance Different from Standard Boat Insurance?

Yacht insurance provides similar types of coverage as standard boat insurance . However, yachts have some specific differences from standard boats, and yacht owners generally need certain protection that regular boat insurance does not provide.

For example, a yacht policy tends to restrict hauling on a trailer to only a few hundred miles, while boat insurance tends to provide coverage for trailering over longer distances. 

Also, deductibles for yacht policies are very flexible, instead of having set amounts like $250, $500 or $1,000. In addition, yacht policies can include coverage for raising and removing a sunken yacht, while boat policies generally do not include this coverage.

Is Yacht Insurance Required?

Yacht insurance is not typically required by state law. However, sailboats often do have insurance requirements. So, if you have a sailing yacht, insurance may be required by law. 

Yacht club membership statistics

You will also need to buy insurance to protect your investment in your vessel if you finance the purchase of your yacht through a lender.

Many marinas require that you have insurance in order to slip your boat at the marina. Check your local marina's guidelines, and be sure to learn about your state’s laws and regulations. 

Do I Need Yacht Insurance?

A yacht can range in price from $300,000 to several million dollars. Purchasing one is a big investment and having the ability to insure your investment can ease your mind if there's an accident or your yacht needs repairs or replacement.

Insuring your yacht is also not just about the boat. In the event that an injured party files a liability claim against you, you will want to have enough coverage in place to protect your boat, home, savings, investments, and future income.

Assessing your financial situation will help you to determine how much yacht insurance you need.

Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

How an Independent Insurance Agent Can Help with Yacht Insurance

A local independent agent will talk with you, free of charge, to learn about your yacht and insurance needs. They'll gather multiple quotes for you from several different companies and help you compare options and rates. Your agent can assist you with every aspect of your insurance and will be your point of contact if you need to file a claim.

An independent agent can help to prevent gaps in coverage that leave you exposed to risk. You will know you are getting the right coverage for your needs, and that you are not paying for any unnecessary coverage. 

https://www.ussailing.org/wp-content/uploads/2018/01/Demographics2010.pdf

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Best Boat Insurance of 2024

Boat insurance is a type of coverage designed to protect boat owners and their personal property in the event of an incident on the water. The best boat insurance companies offer flexible coverage options for a variety of vessels, with reasonable premiums and lots of additional benefits.

Every person who owns or operates a boat should consider carrying boat insurance , as it protects them against personal liability if they’re in an accident, as well as guarding them against loss if something happens to their vessel. In this guide, we’ll explore some of the best companies that offer boat insurance, what they offer, as well as their benefits and drawbacks. We’ll also discuss special coverage options for particular use cases or types of boats.

Table of Contents

• Best Boat Insurance
• How to Find
• How to Save

Geico Marine  »

Insures boats up to 50 feet in length

Gives policyholders access to BoatUS Catastrophe Team

Insures boats valued up to $2.5 million

Doesn’t insure wood or composite boats

Boats more than 40 years old aren’t eligible for coverage

Geico Marine has been writing boat insurance since the 1980s. Originally established as Seaworthy Insurance, the company was bought by financial giant Berkshire Hathaway in 2007.

Under the Geico umbrella, Geico Marine offers insurance designed to meet the needs of the vast majority of boat owners. The list of boats that are ineligible for coverage by Geico is far shorter than those that are. Disqualifying criteria include:

• Boats over 50 feet in length
• Boats over 40 years old (15 years for houseboats)
• Multihull sailboats (catamarans)
• Watercraft made of wood or composite material
• Homemade boats
• Amphibious land boats or hovercraft
• Boats previously deemed a total loss
• Boats valued over $2,500,000

In addition to its strong lineup of coverages, Geico Marine insurance also comes with 24/7 assistance. Additionally, the company has a long-standing association with The Boat Owners Association of the U.S. (BoatUS), including giving policyholders access to the BoatUS Catastrophe (CAT) Team.   The BoatUS CAT Team is a group that brings considerable resources to bear – including towboats and cranes – to help BoatUS members and Geico customers recover and salvage their vessels after a natural disaster.

Special coverage for rods, reels, and other equipment

Emergency towing and personal property coverage included

Lift and trailer coverage available

Claims can take a few weeks to settle

Some negative customer reviews online

Specialty insurer Markel is another provider of boat insurance. Markel boat insurance policies come with multiple coverages included and even more optional coverages available, including many not available from other insurers. Several of these special coverages are geared towards fishing enthusiasts, including both amateurs and professionals.

Among Markel’s special coverages for fishers are protections for rods, reels, and other personal effects, plus coverage for boat lifts and trailers. The company even offers professional angler liability coverage and tournament fee reimbursement as optional add-ons.

However, according to Markel’s documentation and customer reviews online, the company can take up to several weeks to settle claims. This is somewhat longer than some other providers. Customers have also noted that claims can take longer and be more involved, increasing the time it takes to get boats repaired or replaced.

Coverage designed specifically for yacht owners

High coverage limits available for captained vessels

Vessels must be 36 feet longer or greater to qualify for yacht coverage

Crew required for vessels over $3 million

Global insurer Chubb is one of the few large carriers that offers boat insurance designed specially for yachts, including those over 70 feet in length with professional captains and crews.

Yacht insurance from Chubb is available for pleasure cruisers at least 36 feet long (and valued up to $3 million), as well as captained yachts at least 70 feet long and valued at $3 million or more.

Among the niche yacht coverages available from Chubb are:

• Search and rescue
• Longshore and harbor workers’ compensation
• Boat show and demonstration
• Oil Pollution Act

Yacht insurance from Chubb can even include temporary substitute watercraft, so you can still enjoy the water if your yacht is damaged and requires repairs.

Coverage specifically designed for personal watercraft

Vessels are still covered during winter lay-up periods

Water sports liability coverage is included

No coverage for commercial use

$25,000 limit for no-fault medical payments

Specialty provider SkiSafe is one of the biggest personal watercraft insurers you’ve never heard of. The company doesn’t underwrite its own policies; that’s handled by AXIS Insurance Co., a large Bermuda-based insurer. SkiSafe has been around for nearly 50 years and insured more than half a million boaters.

Boat insurance from SkiSafe is designed to meet the needs of personal watercraft owners. As a result, coverages are fairly consolidated and focus specifically on the reduced needs of these types of boaters. Naturally, there is a heavy focus on coverage for injuries, including related to water sports. However, there are also special savings related to lay-ups, since the season for personal watercraft can be relatively short compared to other types of boats.

American Family  »

Special coverage designed specifically for houseboats

Up to $100,000 of personal effects coverage available

Boats up to 54 feet can be covered (40 feet in Georgia)

A marine survey may be required

Must work with a local agent to buy coverage

American Family is unique among boat insurance carriers in that it’s one of few that offers a policy designed specifically for houseboats. Included in American Family houseboat policies are several coverages that cater specifically to these types of vessels, including up to $100,000 for your personal property in case items are stolen, damaged, or fall into the water.

Houseboat insurance from American Family may lack some coverages you might find with other types of vessels, such as emergency towing or parts delivery (these are included in some boat policies from American Family, but it’s unclear from the website whether they’re included in houseboat policies). Additionally, these policies have restrictions specific to houseboats, including horsepower limitations. But, American Family also offers unique discounts particularly helpful for houseboat owners.

Progressive  »

Numerous discounts available

Can buy coverage online

Up to $1,000 of coverage if a pet is hurt or killed in a boating incident

Lots of limits on boat length and value

Many types of vessels are ineligible for coverage

Rounding out our list is insurance giant Progressive, which also has a strong boat insurance offering. Progressive has been insuring boats for more than three decades and insures more than 1 million vessels. Its policies should meet the needs of most owners of boats less than 50 feet long and worth less than $500,000.

Where Progressive really shines, though, is in its list of available discounts. Progressive offers boaters not just the standard discount opportunities available with other insurers, such as multi-policy, multi-boat, or paid-in-full discounts. Progressive also offers savings simply from switching coverage from another country. Additionally, accident forgiveness is also available for incidents both large and small.

The Bottom Line

Boat insurance is a highly individual product, much more so than auto or home insurance. Because boat owners’ needs vary greatly, it’s important to research providers to find the right carrier for your vessel and use case. Based on our research, we found that Geico is the best insurance company available for the widest array of vessels and the most common types of uses.

How to Find the Best Boat Insurance

Here are some essential tips to keep in mind when looking for the best boat insurance policy:

• Evaluate your coverage needs. Based on your boat's value, usage, and legal requirements, determine the type and level of coverage required.
• Compare quotes. Obtain quotes from multiple insurers to compare premiums, coverage options, and discounts.
• Review policy details. Carefully examine the policy's coverage limits, deductibles, exclusions, and additional benefits.

How to Save on Boat Insurance

When seeking to lower the cost of your boat insurance, consider:

• Maintaining a clean driving record. Even though you will be driving a boat and not a car, your record on the road can still be taken into account since many insurers link good driving with good boating. 
• Improving your credit score. Maintaining a good credit score can also lower your premiums.
• Searching for discounts. Inquire about discounts, such as those for taking a boating course, being an experienced boater, or having outboard propulsion.
• Bundling policies. Save money by bundling your boat insurance with home or auto insurance policies.
• Raising deductibles. Opting for a higher deductible can lower your premiums, but ensure you can cover the out-of-pocket costs if you need to file a claim.
• Getting a marine survey. This will tell you how much your boat is worth, enabling you to get a more precise quote from your insurer.
• Making as few small claims as possible. Just like with other kinds of insurance, the more claims you make, the higher your premiums will be.

Do You Need Boat Insurance?

Whether you need boat insurance depends on various factors, including legal requirements and your personal circumstances. You should consider:

• State requirements. Some states require boat insurance, especially for larger or more powerful vessels. Check your state's regulations to determine if insurance is mandatory for your boat.
• Marina requirements. Many marinas require proof of insurance to dock your boat. This ensures you have coverage for potential damage to the marina or other boats.
• Protection. Boat insurance can cover a range of risks, including damage to your boat, liability for damages to a third party’s items, third party injuries, theft, and medical payments.

How We Chose the Best Boat Insurance

To identify the best boat insurance, we reviewed offerings available from numerous reputable carriers. We focused primarily on those with solid financial ratings and comprehensive coverage options to meet the needs of a wide array of boaters. We then narrowed down our selections to those providers with best-in-class offerings specifically designed to meet certain types of boaters.

WHY SHOULD YOU TRUST US?

At U.S. News 360 Reviews, our contributors and editors have years of experience researching and reviewing complex financial topics including insurance policies. Dock David Treece , the author of this piece and a senior contributor for 360 Reviews, has more than two decades of experience in the finance and insurance industry. He has covered insurance and other financial topics for Forbes, Investopedia, Business.com, and other publishers. He has also written for several insurers, including Progressive.

Boat insurance is not required in most states. However, if you have a loan secured by a boat, most lenders require that you buy boat insurance. Additionally, boat insurance can protect owners and operators against personal liability if they’re involved in an accident.

When you buy boat insurance, you’ll need to provide several pieces of personal information, as well as information about your boat and applicable licenses. Depending on the type of boat and policy, you may also be required to submit a marine survey, which assesses the condition of your vessel.

Boat insurance does not typically have a waiting period before you can file a claim.

Some insurers allow policyholders to insure multiple boats under the same policy, so long as they all have the same owner(s). Many carriers also offer discounts for owners who insure multiple boats with the same company.

Depending on the size, type, and value of the vessel being insured, some carriers require a boat to undergo an inspection (called a marine survey) in order to assess the boat’s condition prior to binding coverage.

The amount of boat insurance you need depends on your boat's value and how you plan to use it. It should cover your boat's replacement cost, and you should also consider purchasing liability coverage for accidents, medical payment coverage for injuries, and coverage for theft of personal belongings.

Homeowners insurance might offer limited coverage for small boats under certain circumstances, like damage caused by fire or theft while on your property. However, larger or high-performance boats typically require separate boat insurance for comprehensive coverage.

About Our Team

Dock Treece

Contributor

Stephen Yao , Ph.D.

Insurance Reviewer

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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Best Boat Insurance Based on In-Depth Reviews

• 200+ Hours of research
• 50+ Sources used
• 30 Companies vetted
• 4 Features reviewed
• 8 Top Picks

• There are coverage options for most boat types and boat owners’ needs.
• Policy cost will depend on the boat owner’s age, boat size, use, storage location, etc.
• Get multiple quotes to evaluate the policies’ cost range.
• Search for companies that offer discounts—multi-policy or others.
• How we analyzed the best Boat Insurance Companies
• Our Top Picks: Boat Insurance Reviews
• BoatUS review

Best for Broad Navigational Limits 

Screenshot Boatus.com, June 2020

BoatUS insurance options include agreed value, actual cash value, and liability-only policy.  They cover onboard injuries up to $10,000 per person, liability expenses up to $500K, fuel spill, and the cost for haul-out up to $1,000, for NOAA-named storms.   

But what BoatUS really offers is a broad cruising area. Their policies include protection in both U.S. and Canada’s inland and coastal waters. Plus adventurous boat owners who desire to explore other waters can add extended services to Alaska, Bahamas, Mexico, and the Caribbean.

• Chubb review

Best for Yachts

Chubb is a premier yacht insurance provider and one of the largest publicly traded property and casualty insurers in the world with locations in 54 countries. they provide all-risk protection for yachts between 36-70 feet in length. , screenshot chubb.com, june 2020.

Their yacht policy offers up to 120% in replacement coverage, protection against fines and penalties related to marine environmental damages, coverage for trailers, and up to $5,000 to charter temporary substitute watercraft. Yacht owners can also include unique add-ons such as coverage for marinas as additional insureds and liability for any employed crew member aboard your yacht if they are within the jurisdiction of the Longshore and Harbor Workers Compensation Act (LHWCA).

• National Boat Owners Association review

Best for Memberships

National Boat Owners Association is a nationwide boat insurance company that offers boat owners access to their membership club program and to insurance options from top-rated marine underwriters.

Screenshot Nboat.com, June 2020

NBOA’s coverage options include liability with limits from $100K onwards, agreed value, pollution liability, and with select insurance carriers, total loss replacement. Customers can also choose from inland lakes and rivers to coastal U.S. waters or extend their policy coverage to other areas such as the Bahamas. 

Anyone can purchase their insurance policies, whether or not they are members of the NBOA. Nonetheless, boat owners who enroll in any of the two membership programs enjoy additional benefits. Among them, unlimited water towing, road assistance for trailers and discounts in boating safety equipment, marine retailers, marinas and car renting from national companies.

• SkiSafe review

Most customizable 

Screenshot Skisafe.com, June 2020

Since they’re exclusively a boat insurance provider, policies are tailored to meet the needs of each boat owner. Their insurance coverage options include all-risk coverage for boats and trailers, liability coverage with towing, roadside assistance, medical payments up to $25,000, and water sports liability. 

• Progressive review

Most Comprehensive  

Although well-known for their car insurance products, Progressive also offers comprehensive boat insurance for different types of boats—fishing boats, pontoon boats, powerboats, personal watercraft, and sailboats.   

Screenshot Progressive.com, June 2020

Their collision and comprehensive coverage include full replacement cost, meaning that if you have an accident they’ll pay the cost to return your boat to its previous condition or better. They also provide coverage for bodily injuries, property damage, fuel spill, wreck removal, roadside assistance, and other optional services such as on-water towing, fishing equipment replacement, and medical payments. Additionally, boat owners are covered in any lake and river in the United States and in ocean waters within 75 miles of the coast. 

Progressive provides popular saving options—discounts for multi-policy, multi-boat, and safety courses. There is also a discount for members of the United States Coast Guard Auxiliary (USCG), the United States Power Squadron, and the United Services Automobile Association (USAA). Boat owners who stay with Progressive can enjoy attractive rewards such as a 25% reduction of their deductible every time they renew without having issued a claim.  

• Markel review

Best for Operator’s Age Discount

Markel’s insured operator’s age discount might interest you if you’re a boat owner in your forties. Typically most companies apply this discount if you’re 55 years or older, but Markel sets it for boat owners who are 40 years or older. 

Screenshot Markel.com, June 2020

Markel has over 30 years of experience offering marine insurance. They provide coverage for boats of up to 26 ft., personal watercraft, yachts, speedboats (over 65 mph), and commercial boats—i.e. rentals, boat schools, or charters. In addition, their fishing boat policy covers replacement costs for fishing gears and tournament fee reimbursement if you are unable to assist due to a covered accident or event.  

• Foremost Insurance Group review

Best for Ease of Use

Sometimes companies overwhelm clients with tons of general information regarding boat insurance, rather than describing their products. That’s not the case with Foremost. Customers can easily navigate their website and find on-point descriptions of their boat insurance packages without redirects to other windows or tabs.     

Screenshot Foremost.com, June 2020

Foremost offers three insurance packages for most types of boats, and tailored coverages for pontoons, classic boats, and speedboats. Their basic, most affordable package includes actual cash value for loss settlements while their medium and premier packages include agreed value. Their premier also adds attractive features such as navigation to Mexico and the Bahamas, coverage for pets, and liability expenses for pollution. 

• Hagerty review

Best for Boat Collectors

Hagerty has over 30 years of experience providing coverage for those boat owners who enjoy vintage boats and the gratification of restoring their own classic boats. They provide insurance for a wide variety of classic boat types, including fiberglass boats, wooden boats, runabouts, cruisers, and sailboats. 

Screenshot Hagerty.com, June 2020

Hagerty also offers discounts for boating club members. Some of their marine partners are The Antique and Classic Boat Society, Lyman Boat Owners Association, and Century Boat Club. 

• More insight into our methodology

Shopping for boat insurance is somewhat similar to getting car insurance , with one major difference: they’re not standardized. First because boat insurance is not required in all states, except for the three states—Arkansas, Utah, and Hawaii—where boat owners are required to have some kind of liability coverage, and second because of boats themselves. While cars tend to have similar purposes and structures, and are only slightly different in size, boats have many purposes and come in significantly different sizes and styles. Additionally, boat owners face a wide range of risks in the water that car owners do not face on the road. This means that there’s not a suggested minimum coverage requirement, and that companies consider different factors to determine policy costs and boat owners risks. 

In order to choose the best boat insurance companies we focused on the following factors:

• Coverage & Benefits

The first thing you should consider when choosing boat insurance is whether you want an actual cash value or an agreed value policy. This is what influences the amount of money you will receive in case of a covered loss.  

With actual cash value, the amount to be reimbursed will be calculated based on the value of your boat at the time of the accident, and takes into account how the parts have depreciated with time.

On the other hand, agreed value will provide coverage for repairs up to the amount agreed with the insurer at the moment of signing the contract. Typically this type of damage coverage is more expensive, because it doesn’t take into account depreciation.  

Before making your decision, get at least three quotes from different companies and compare them. Consider the benefits that each company can offer you. Some companies may include services in their policies that others offer as additionals, such as coverage for your boat trailer, towing services, wreckage removal, or fuel spill coverage.

Boat insurance can be pricey, especially if it’s a large boat. Nonetheless, there are a variety of discounts that companies can apply to help you lower policy costs. Popular discounts include savings for bundling multiple policies, taking a boating safety course, or installing protective devices in your boat. 

Since not every company offers the same discounts, you should check each company's discounts section and/or ask their representatives which ones you qualify for. 

• Customer Experience

Another factor you should consider is companies’ customer service standards. You’ll want to make sure that you can count on a team of qualified experts available to respond and assist you throughout the process whenever you need to file a claim. We favored companies that offer 24/7 assistance over the phone, chats, free quotes, and other useful resources such as account management and options for filing claims online.

• Financial Strength & Reputation

Before choosing an insurance policy, be it for cars, homes, or boats, you should verify if the company will be able to pay out claims in the future. The best way to ensure this is to look at their financial strength according to the rates they receive from credit rating agencies such as AM Best , Standards & Poor’s , and Moody’s . 

Another thing that can guide your decision of whether or not to purchase a policy from a given company is checking their reputation among customers. You can do this by looking for patterns in complaints and at customers' overall satisfaction, ratings, and comments in customer review websites.

• Helpful information about Boat Insurance

It’s every boat owner’s nightmare—what starts as a beautiful day in your boat with friends or family can take an unexpected turn, ending up in a collision with another boat, a reef, or a buoy. This could result not only in liability expenses and boat repairs, but in medical expenses if someone onboard gets hurt. 

In 2019 the US Department of Homeland Security and the National Coast Guard reported a total of 4,168 boat accidents and an estimated $55 million dollars in property damage as a result of recreational boating accidents. The same annual report shows that the top five factors contributing to accidents had to do with operators' inattention, improper lookout, inexperience, excessive speed, and alcohol use. 

Boat owners also encounter other non-accidental incidents in the water such as breakdowns, motor malfunctions, or even fuel spillage—events that may leave you stranded, and requiring specialized services that boat insurers can cover for you. 

So while sailing is full of adventures, it also poses many hazards for you and your boat. Therefore, the matter in question is not whether you need boat insurance or not, rather what type and how much coverage you should get. 

• What does it cover?

Actual Cash Value vs. Agreed Value

Boat insurance providers offer physical damage coverage in two primary ways: actual cash value and agreed value. Out of the two, an actual cash value policy will be the least expensive, because it covers the current value of your boat at the time of the accident, minus any depreciation. Whereas an agreed value policy will cover the amount listed in your policy, as agreed with the insurer at the moment of purchase regardless of how the parts might have lost value over time. 

Coverage Options

Policy coverage options vary depending on the insurer, nonetheless, companies usually feature services such as: 

Liability Coverage: Usually, the most basic coverage. It protects you from at-fault damages caused to another boat or property. 

Medical Payments: Medical coverage will pay out for medical expenses that you or any passenger onboard experience as a result of an accident. 

Salvage: Salvage coverage is also known as wreckage removal. Simply put if your boat wrecks in the water, the insurer will pay salvage costs.    

Pollution Liability/Fuel Spill: According to the Oil Pollution Act of 1990 , polluters are responsible for the costs related to oil spill clean-ups and environmental damage. This type of coverage will protect you from expenses resulting from accidental contamination. 

Additional Coverage Options

Most insurers also offer additional coverage options that may come handy in specific situations:

In-water towing services for whenever you need to tow your boat back to land.

Roadside assistance for whenever you experience problems on the road while hauling your boat, such as gas delivery or towing your vehicle and boat to a repair shop.  

Haul-out to cover haul-out expenses whenever you need to transport your boat to an event or a safer place before a storm. 

Uninsured/underinsured coverage to cover damages or injuries (to you or any person onboard) if hit by a boater without insurance. 

Personal equipment coverage in the event of theft, damage or loss of apparel, sports equipment and/or fishing equipment on your boat.

Pet coverage so that in case you bring your four-pawed family members on board, they’ll be covered in the event of being injured in an accident. 

• How much coverage do you need?

With the exception of Arkansas, Utah, and Hawaii, where some type of liability coverage is required, boat owners don’t need a minimum amount of boat insurance in most states. This means that finding the right policy for you will mainly depend on four factors: first, the type of boat you have, second, what you use it for—fishing, sports, recreation with family or friends, etc.—, third, how protected you want your boat to be, and fourth, how much are you willing to pay.  

If your intention is purchasing a well-rounded boat insurance policy, it should at least feature some type of liability coverage, collision, and medical payments. These three options will cover damages caused to property, physical damages to your boat, and medical expenses for you or passengers. Adding extra coverage to your policy such as towing and roadside assistance can also come in handy. Keep in mind that sometimes companies include services in their policies that others offer for an additional cost. In order to find the best policy and price, you should at least get three quotes from different companies and compare what coverage and services they feature in their policies.

• How much does boat insurance cost?

A variety of factors influence boat insurance rates; that includes type, length, speed, and age of the boat, as well as your age, boating experience, and credit history. Typically, depending on whether you are considered a high-risk or low-risk boat operator, insurers offer multiple ways to lower your policy rate.  

Most common discounts

Just like car insurance companies reward experienced drivers with a clean driving record, insurers are more likely to reward boat operators who take the most safety precautions with their boats. Each company offers popular discounts that can help you keep money in your wallet. Most companies apply discounts for:  

Boating Education Course : insurers like it when you show them that safety comes first. That’s why holding any state-approved boating safety course certificate is the most popular discount. You can find a list of approved courses in the National Association of State Boating Law Administration .

Protective Devices : installing safety equipment in your boat such as EPIRB, GPS, Radar, Depth Finder, or automatic fire extinguisher system can also reduce policy costs.   

Responsible Boat Operator/Driver : a clean boating or driving record increases your chances of getting better rates.

Boat owner’s age : generally boat owners who are 55 years or older get better rates. However, it’s possible to find companies with a lower age limit. 

Multi-Policy Discount : bundling is an easy way to save money. Many companies give you a discount when you include your boat with your homeowners, life, or car policy.

Multi-Boat Discount : having more than one boat listed in your policy can translate into another discount.  

Payment method : another way to save money is to pay in full or sometimes subscribing to automatic payment.

Loss-Free Renewal : some companies may offer you discounts on your deductible every time you renew your policy without having filed claims.

• FAQs about Boat Insurance

Am I required to buy boat insurance?

If by required you mean whether you’re legally obligated to have boat insurance, then it’ll depend on the state. Currently, only three states—Arkansas, Utah, and Hawaii— required boaters to have boat insurance. However, regardless of whether or not it is mandatory, every boat owner should get one, especially considering the many navigational hazards you can encounter on the water.

Is my boat covered by my homeowner's insurance?

Sometimes homeowners insurance policies include boat protection. Nonetheless, these policies often offer limited protection for your boat and treat it as any other personal property. Most likely it won’t offer the same specialized protection that a boat insurance policy provides.

Does boat insurance cover accidents outside of the water?

This will depend on the type of boat insurance you have. In most cases, insurers will cover physical damages that your boat or trailer (if duly insured) may have experienced as a result of an accident while hauling your boat. However, it probably won’t cover liability damages caused to another vehicle or person in an at-fault accident. a

Are passengers covered by boat insurance?

In most cases, insurance companies cover passenger injuries if your policy includes collision or medical payments coverage. Make sure to ask your agent before signing on the dotted line.

• Our Boat Insurance Review Summed Up

• Latest From Our Editors
• Preparing Your Boat For Hurricane Season
• What Does Boat Insurance Cover?
• Common Boat Insurance Claims and How to Avoid Them

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How Much Will Boat Insurance Cost Me?

11 Min Read | May 29, 2024

Boats are a highlight of summer! They’re flashy, fun . . . and freaking expensive to repair or replace. That’s why it’s better to pay for boat insurance than to hope you’ll get by with zero accidents. 

Boat insurance protects you financially if your boat is involved in an accident where property gets damaged or someone gets hurt. On average, boat insurance costs $200 to $500 a year—or around 1–5% of your boat’s value if you have a big, powerful or expensive boat.

Let’s talk about what affects the average boat insurance cost, what it covers and where to get it.

Do I Really Need Boat Insurance?

That depends on your boat. A standard homeowners insurance policy will generally cover small, inexpensive watercraft like:

• Paddle boats
• Boats with low-powered engines (usually less than 25 horsepower or less than 25 mph maximum speeds)

You can also add a liability rider to your homeowners insurance to cover property damage or injuries if you get in an accident with another boater.

But homeowners policies won’t cover big, powerful boats. You’ll need boat insurance for:

• Charter Boats – Since your boat is your business, you may also need commercial insurance .
• Fishing Boats – including bass boats, fancy offshore rigs and everything in between
• Houseboats – Just like insuring a regular house , you need to insure your home on the water too.
• Personal Watercraft – Watercraft like jet skis are super fun, but they’re also risky—hence the insurance.
• Pontoons – Pontoons are where the party’s at! So make sure your boat and your passengers are protected.
• Sailboats – Activities like long distance travel, racing or historical reenactments require special coverage. Think of sailboats as the classic cars of the sea.
• Speedboats – Fast boats are at higher risk for accidents—which makes insurance a must.
• Yachts – Luxury vessels need insurance because they’re more  valuable and travel farther than most other boats.

All these boats need insurance even if it isn’t required by state law. Why? Because if you’re uninsured, a boating accident can ruin your future—in more ways than one.

Boating accidents caused $55 million in property damage in 2019—and that’s not counting medical bills and lost wages for the 2,559 people who got injured. To make matters worse, 613 people died in boating accidents that year. 1

If you cause those damages, injuries or (God forbid) deaths, you’ll be held liable. That’s why boat insurance is so important: It protects you financially after an accident, so you can focus on more important things.

How Much Is Boat Insurance?

The average cost of boat insurance is $200 to $500 a year—although for a really big or expensive boat (like a yacht or sailboat), insurance can cost around 1–5% of the boat’s value. For example, you may pay about $2,500 a year to insure a $100,000 yacht.

But just like other insurance rates vary, boat insurance costs change depending on you and your boat.

Get trusted coverage that fits your budget.

When you work with a RamseyTrusted pro, you can feel confident knowing they’re going to find the best policy for you at the best price.

What Factors Affect Boat Insurance Costs?

Many of the factors that affect car insurance rates also affect boats—but there are also some unique things to consider for watercraft.

Type of Boat

The more valuable a boat is, the more expensive it is to insure. For example, yacht insurance almost always costs more than pontoon insurance because yachts are more expensive.

High-powered watercraft are riskier, so insurance companies look at the type of motor (inboard or outboard, amount of horsepower and so on). Slow and steady usually wins the race to get low insurance rates!

To be considered in good condition, your boat must meet the U.S. Coast Guard safety standards from the time when it was built. Otherwise, you’ll pay higher premiums because of your boat’s outdated safety features.

Your boat’s age matters—and so does yours.

Older boats are generally cheaper to insure, especially if they’ve only had one owner. You’ll probably also get better rates if you’re between 25 and 60 years old, because that’s when insurers think you’re the most responsible.

Fishing and floating are lower risk than towing water skis or wakeboards. If you use your boat for “risky” activities, your insurance company will charge you higher premiums to make up for the accident they expect you to have.

Boating accidents almost always happen on the water (duh). So if you occasionally take your boat out, you’ll pay less than if you boat every weekend. That’s also why people who live up north typically pay less for boat insurance—the shorter boating season means less time for accidents.

Speaking of where you live, you’ll pay higher premiums for boating in an area with hurricanes (on the ocean), squalls (in the Great Lakes) or other hazards. And you’ll pay less if you live in a state with no coastline. That’s because lakes and rivers are typically safer than the ocean.

Driving Record

You’ll likely get low rates if you’ve got a good driving record (aka no accidents, injuries or recent insurance claims in a boat or car). But your inexperienced teen or your reckless cousin who’s totaled three cars? Not so much.

What Boat Insurance Discounts Can I Get?

There are a lot of ways to save money on boat (or even car) insurance. You can get discounts if you:

• Take boating safety classes
• Use a diesel-powered engine
• Carry ship-to-shore radios, Coast Guard approved fire extinguishers and other safety equipment onboard
• Bundle your boat, home and auto insurance
• Pay your insurance yearly
• Choose a high deductible
• Don’t file a claim for at least two years

What Does Boat Insurance Cover?

Boat insurance covers many costs of an accident—like repairs, salvage and medical bills. Let’s walk through the types of coverage you can get.

Liability is the most important type of boat insurance. It pays for the other person’s repair and medical bills after an accident you caused. And if someone sues you? Your liability coverage should help pay the legal fees.

You can even look into guest passenger liability , which covers you if someone driving your boat with your permission causes an accident

Liability also covers repairs to docks or other objects you hit—plus clean-up costs for oil and other pollutants that your boat released into the water. (Which is good since cleaning up even a small oil spill is insanely expensive.)

Without liability coverage, you’ll have to pay for damages to boats, docks, personal property, a person’s health or the environment. That’s a lot of money. So play it safe and let the insurance company pay instead.

Physical Damage

Physical damage coverage pays to repair or replace your boat if something bad happens to it, like:

• Collisions with other boats, docks, submerged objects or floating debris
• Damage from wind, hail, lightning or other weather
• Theft or vandalism

You can even get an “all risk” policy: Unless a risk is specifically excluded, your insurance will cover anything that happens to your boat—even sinking.

How much your insurance company will pay to repair or replace your boat depends on what type of physical damage policy you choose.

Agreed Value Policy

You and the insurance company work together to decide how much your boat is worth—and that’s the most your insurer will pay you after a covered accident. So if your sailboat’s agreed value is $95,000, your insurer will pay up to $95,000 to replace or repair it.

Agreed value policies offer plenty of coverage for most boats. But if you own a rare boat that’s increasing in value, it will eventually outgrow the agreed value you chose. That’s where the next type of policy comes in.

Actual Cash Value Policy

This policy pays up to the boat’s market value on the day it got damaged. That means you should be able to restore your boat or buy a similar one. You just won’t be able to upgrade on the insurance company’s dime.

For example, let’s say your boat is worth $12,000 and it sinks. The insurance company will only pay you $12,000—even if you originally paid more to buy the boat.  

Medical Payments

This coverage helps pay for medical expenses if you or your passengers get hurt on your boat. It can cover all sorts of injuries from a collision with another boat or even taking a nosedive on water skis.

Personal Property

Personal property coverage helps replace the unattached accessories that made your boat so much fun in the first place—like your fishing gear, navigation system and personal items.

You can even get insurance for your boat trailer (which may be helpful if you’re new to towing trailers).  

Uninsured Watercraft

Imagine that a speedboat makes a huge wake and pushes your boat into some sharp rocks. Your boat is damaged—but the other guy is uninsured. Yikes!

Uninsured watercraft coverage will help pay for your repairs (or medical bills if you or your passengers get hurt). That’s much easier than suing the other boater or—worse—having to foot the bill yourself.

If your boat becomes disabled on the open water, you’ll need to get it towed back to land. That’s what salvage insurance helps pay for.

You can also get insurance that helps pay to remove your boat from the water if it sinks—otherwise, the wreckage could become a hazard to other boaters and cause even more accidents. 

What Boat Insurance Doesn’t Cover

One thing boat, home and auto insurance all have in common: They don’t cover every situation. Here’s what boat insurance doesn’t cover.

Normal Wear and Tear

Boats get old and wear out just like any other machine. So your insurer won’t pay for cosmetic or mechanical issues that come from normal use.

Faulty Machinery

While your insurance policy might cover a mechanical breakdown if it’s out of the ordinary, it won’t cover manufacturer defects or things that broke because you used them wrong or didn’t take care of them. (So you may want to clean out that clogged water pump now.)

Animal Damage

Animals can be a big boating hazard—literally. If a run-in with a dolphin, manatee or other marine animal damages your boat, your insurance policy most likely won’t cover it.

(By the way, it pays to know what animals live in your boating area so you don’t harm them, your boat or the environment.)

Infestations

Another animal that’s not covered? Mussels! These little guys can do major damage. But the insurance company won’t pay for it—or damage from insects, mold or other infestations. It’s smart to check your boat and remove any unwanted passengers.  

Improper Storage and Transportation

Your boat falls off the trailer because you didn’t tie it down? Your “winter storage” is in the yard? Your insurance company will chalk those damages up to your careless behavior and make you pay the bill.

Accidents Beyond Your Navigational Limits

Your navigational limit is where you and the insurance company agree you can boat. Your insurance policy only covers you in that area. Sail outside of it, and you’re on your own.

Accidents Outside Your Layup Period

A layup period is when you take your boat out of the water for a while (usually the winter). If you use your boat after your layup starts or before it’s over, you won’t be covered.

Underage or Unnamed Operators

Each state makes its own rules about how old a kid has to be before they can drive a boat, so check the local laws before letting them take the wheel. And if your child (or another adult) drives your boat regularly, it’s smart to put their name on your insurance policy.

Where Do I Get Boat Insurance?

The easiest way to get boat insurance is to work with an independent auto or homeowners insurance agent.

Our network of Endorsed Local Providers (ELPs) will compare policies from multiple insurers to find the best one for your boat. And our agents will go a step further: They’ll teach you how to actually understand your boat insurance policy so you can be confident you’re getting the insurance you need—without costly extras.

Connect with an agent near you today.

Get coverage you can trust.

When a RamseyTrusted pro is in your corner, you have an insurance guide you can trust who will give you confidence in your coverage.

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Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Learn More.

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• Boat Insurance

4 Best Boat Insurance Providers  in 2024

By: Bradley Axmith

We gave our boating expert, Matt the job of finding the best and Boat Insurance providers and compare them.

Our review team always considers durability, price, quality, and value in their reviews.

Boat insurance can cost as low as $100 to upwards of several thousand a year. On average, the price of boat insurance annually is between $200 and $500. It all depends on the value of the boat and the condition of it.

When selecting boat insurance, it’s essential to consider factors beyond cost, like coverage limits, deductibles, and reputation for claim handling.

We have made a table with these insurance providers below. We’ve added prices and indicated which provider specializes in the specific type of boat. Click here to jump to it.

The Top 5 Boat Insurance in 2024

All the boat insurance we reviewed:.

Progressive.com

Progressive Marine Insurance

Where to buy:

Where to buy progressive marine insurance:.

Progressive insures a wide range of boats under 50 feet and valued at or below $500,000, offering various discounts for policy bundling, safety courses, and being the original boat owner.

Progressive covers boats up to 50 feet in length and under $500,000 in value. It is known for competitive rates and ten different insurance discounts, including full payment, safety course completion, and responsive service.

Available add-ons include replacement cost coverage, hurricane haul-out, and Sign & Glide for emergency services like towing and jump starts.

Things we like:

Things we don't like:, chubb marine insurance.

Where to buy Chubb Marine Insurance:

Chubb specializes in insuring high-value items and offers boat insurance for pleasure boats. Their coverage is designed for high-net-worth clients, encompassing additional equipment like scuba gear, water skis, and premium coolers.

Chubb is optimal for insuring larger, more expensive boats or yachts. It provides specialized coverage for high-value boats up to 35 feet, ideal for owners with costly onboard items. Unique services for yacht owners include complimentary crew background checks, travel briefings, and discounted security services.

Geico Marine Insurance

Where to buy Geico Marine Insurance:

Geico collaborates with BoatUS to provide marine insurance in all 50 U.S. states. Their standard offerings include agreed hull value, actual cash value, and liability-only policies.

One reason why they rank highly in customer satisfaction is because of their service and the customizable add-ons they offer.

They’ve partnered up with BoatUS to provide an à la carte range of marine insurance policies. These policies can also include discounts for boating safety courses and additional options like towing services, reducing deductibles, and fishing gear coverage.

Markelinsurance.com

Markel Marine Insurance

Where to buy Markel Marine Insurance:

Markel is noted for insuring luxury boats, offering extensive coverage for yachts, including theft protection, wreckage removal, and emergency towing. Optional coverages include tournament fee refunds and boat lift insurance.

Markel provides specialized insurance for boats and other unique items, particularly suitable for fishing enthusiasts with coverage for tournament fees and fishing equipment. Markel also offers a range of discounts and specific policies for personal watercraft and yachts, as well as commercial policies for charter or excursion boats.

Best Boat Insurance in the U.S. for Different Price Ranges

In the U.S., the best boat insurance varies depending on the policy and the boat. Some providers do better at smaller boats than others, which offer better policies on larger yachts, for example. See the comparison table below.

Budget-Friendly : Progressive is a top choice for boaters on a budget. They offer competitive rates and a range of discounts, like bundling home and auto policies. Despite being affordable, Progressive doesn’t skimp on essential coverages like collision, comprehensive, and liability.

Progressive has proven very popular with boats of different sizes and value. In particular, though, smaller boats like bowriders and ski boats get good coverage from Progressive. Customer services has gotten, generally, decent grades, too.

Mid-Range : State Farm provides an excellent balance between cost and coverage. They offer a variety of coverages, including on-water towing and fuel spill protection. With a vast network of agents, finding local expertise is easy.

Premium : BoatUS has a more comprehensive basket of options for those seeking extensive coverage and specialized services. In partnership with GEICO, the 2nd largest auto insurance firm, they offer an array of policies catering to diverse boating needs.

The bigger motor yachts , with plenty of toys onboard and a lot of value tied up into maintenance, etc., will find some good coverage options with GEICO.

There’s also a host of add-ons that, while the cost extra, provide some pretty smart options tailored to different needs (i.e. climate or region specific coverage like ice damage).

Members also benefit from added perks like marine discounts and free boating safety courses.

Factors That Need Consideration for the Right Insurance

While the aforementioned insurers stand out in their respective price ranges, individual needs might warrant exploring other options. Always compare quotes and read policy specifics before settling.

Boat insurance is paramount for any boat owner, safeguarding both their vessel and peace of mind. The best boat insurance policies should include:

Comprehensive Coverage: This ensures protection from non-collision-related risks like theft, vandalism, fires, or storms.

Collision Damage: This covers repair or replacement costs if your boat collides with another vessel or object.

Bodily Injury Liability: In the event of an accident deemed your fault, this covers the medical expenses of those injured.

Property Damage Liability: This addresses damage to someone else’s property due to your boat.

Uninsured/Underinsured Boater: Should you encounter an accident with an uninsured/underinsured boater, this covers the costs.

How We Compare The Best Insurers:

• Research Reputation: Opt for established insurers with a commendable reputation. Check user reviews and the Better Business Bureau.
• Financial Stability: Insurers should have robust financial backing, ensuring they can handle large claims. A.M. Best is an excellent resource for this.
• Customizability: Policies should be tailorable to fit specific needs. For instance, a sailor might need different coverage than a speedboat.
• Price Quotes: Obtain multiple quotes. While price is a factor, it shouldn’t be the sole deciding factor. Look for the best value, not just the cheapest policy.
• Customer Service: Exceptional customer service is crucial. They should be responsive, helpful, and transparent.

In essence, the ideal boat insurance offers extensive protection at a reasonable price from a reputable, financially stable insurer with stellar customer service.

For info about personal watercraft insurance coverage, read about it here .

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Geography of Primorsky Krai

Primorsky Krai is located in the southern far east , in the south-eastern part of Russia . In the north it borders with Khabarovsk Krai , in the west with the Chinese Provinces of Jilin and Heilongjiang , in the south-west with North Korea ( Special City of Rason ) and at the south-east with the Sea of Japan . The total length of the borders is 3,000   km (1,864 miles) and the coastline is 1,500   km (932 miles). The total area is 165,900   km 2 (64,100 sq miles) which is 0.97% of the total area of Russia, which makes it 23rd largest federal subject of Russia. The total length of the krai is 900   km and the width is 280   km. [1] [ circular reference ]

Extreme points

Physical characteristics, external links.

Primorsky Krai has been federal subject of the Russian SFSR and then of Russian Federation since 1991. The krai also had the numerous islands; including Russky Island , Popov Island , Rikord Island , Putyatin Island and others. The major physiographic regions of the Primorsky Krai are Sikotin-Alin (southern-half) and East Manchuria .

Sikhote-Alin is a mountain range (maximum elevation: 500–1000 meters; relative elevations: 200–400 meters; absolute height: 1,855 meters). Mountain ranges with rounded peaks and gentle slopes, emphazing the wide development of dome structures here, extend as a whole subparallel with each other from south-west to the north-east till they entered in Khabarovsk Krai. They do not the snow line anywhere, but neat fields, sometimes of considerable size, are formed annually in snow inlet zones and persists until mid-summers. According to the main watershed, the Sikhote-Alin mountain region is divided into the Japanese Sea (eastern and southern) and Ussuri-Khanka (western) macroslopes, which differ from each other in the structure of the relief and natural and climatic factors. This is mainly caused by both the difference in geological and tectonic plan, and the predominant distribution on the eastern slope of circulation of wet humid air masses. The latter come from the Sea of Okhotsk and the Sea of Japan in the spring-early summer period, and in the autumn-winter period, on the contrary, relatively warm, but also humid air masses prevail.

In the northern part are Samarginskoe and Zevinskoe, and in the south Artyomovsk basalt plateaus. Within their limits, flat table -shaped watersheds are developed, where upland bogs are often formed in depressions. Large areas are covered with larch forests with peaty and peaty-gley overmoistened soils. The latter are formed on the areal and linear clay crusts of weathering. The marginal parts of the plateau are carved by narrow river valleys. Transverse ridges and river valleys, Subsequent large fault zones, the Japan Sea macro slope is divided into a series of independent natural-climatic complexes with sufficient contrast. Southern Sikhote-Alin is especially colorful due to its rugged coastline, rocky cliffs and gently sloping sandy beaches, the wealth of natural monuments, mild maritime climate, a neighborhood of an extensive transport network and high economic development with a natural, often not disturbed landscape. All this made southern Primorye a favorite place of recreation and tourism for residents of the entire Far East of Russia and other countries of the Asia-Pacific region .

The Ussuri-Khanka macro-slope is morphologically subdivided into Central and Western Sikhote-Alin. The mountain ranges of the Central Sikhote-Alin have mainly the direction of the CER, i.e. coinciding with the general direction of the folded structures and zones of ruptures. This part of the mountainous region is confined to the most elevated parts of the massive midland with absolute overtones up to 1850 m and elevations of 150–300 m. The rivers are steep, mountainous with rapids and shallows. The steepness of the slopes here is less than on the eastern macroslope, but the abundant-scree phenomena, erosion, landslides and solifluction are also quite intense. West Sikhote-Alin consists of separate ranges of the C-B stretch, separated by intermountain depressions and dissected by wide transverse river valleys of the Ussuri, Malinovka, B. Ussurka, Bikin and other rivers. The heights of the mountains rarely exceed 1000 m. relative elevations are 50–150 m, and the slopes are gentler, compared to Central Sikhote-Alin. At the foot of the ridges developed non-surface surfaces, composed of deluvial clays.

The East Manchurian Plateau enters the limits of the Primorsky Territory with its eastern component and is divided into three parts: Border and Khasan-Barabash mountain areas, as well as Borisov basalt plateau. The latter is largely similar to the Artyomovsky and other plateaus described above. But the border and Khasansky mountain areas - this is a typical lowland - hills. The border region is a system of low (absolute elevations - 600–800 m, relative -200-500 m) mountain ranges, which descend towards Lake Hassan, passing into a hilly-ravaged plain. At the same time, the orientation of the watersheds is often arcuate and radial relative to the center of the lake. Hassan; it emphasizes the form of the ring structure of the same name. In the Hasan-Barabash district, the absolute marks (900–1000 m) and relative elevations (300–600 m) are noticeably higher. The main mountain range "Black Mountains" arched to the Amur Bay. The valleys of most watercourses are open to the southern and southeastern moist sea winds, which leaves a peculiar imprint on climate, vegetation and soil. The river beds are overloaded with alluvium, the amount of which increases in the lower reaches due to the general stretching and subsidence of the Earth's crust along the edge of the continent, and due to the accumulation of catastrophic floods. As a result, a low-lying plain with a width of up to 10   km was formed on the coast. Over its flat marshy surface with many lakes and oxbows, remnant mountains up to 180 m high rise in places (Pigeon's Rock Mountain, etc.) rise in places by lakes and oxbows.

In the inner part of the West-Primorye Plain Region, the total area of which is 20% of the territory of the region, is Lake. Hanka Around it is the lowland of the same name - swampy lowland spaces (absolute elevations up to 200 m), separated by wide river valleys. In the northern and southern continuation of the Khanka lowland, the Nizhne-Bikinskaya and Razdolnenskaya plains are distinguished, formed by the valleys of large rivers: the Ussuri, Bikin, Alchan, and Razdol'naya.

The climatic conditions of the region are largely determined by its geographical location - at the junction of Eurasia and the Pacific Ocean. In winter, cold continental air masses prevail here, and in summer cool oceanic masses. At the same time, a “mitigating” effect, especially on coastal areas, has a monsoon climate: cool spring, rainy and foggy summer, sunny dry autumn and little snow with winds winter. In the central and northern regions of the region, the climate is more continental. The total annual precipitation is 600–900   mm, most of which falls in summer. The cold Primorye Current, which causes long-lasting fogs, runs along the coast from the north-east to the south-west.

• The northernmost point- Dagda River
• The southernmost point - The mouth of Tumanna River with border with Korean Peninsula (North Korea)
• Westernmost point- near the source of Novgorodvka River
• Easternmost point- Golden Cape

The distance between North and South points - 900   km

The distance between East and West points- 430   km

The highest peak of Primorsky Krai is Mount Anik with a height of 1,933 meters, located in the north-east of krai near the border with Khabarovsk Krai. The lowest point is Sea of Japan. The second highest peak is Cloudy Peak (1,855 meters) in the southeast of the Chuguyevsky District .

In the southwest, there is Lake Khanka , which is the largest lake of the krai, near the border with China. The longest river is Ussuri , the source of the river is located on the slopes of the Snezhnaya mountains. The most of the Ussuri flows between the border of China and Russia. The other largest rivers are Bolshaya Ussurka , Malinovka and Arsenyevka rivers .

The climate is temperate, monsoon . Winters are dry and cold with fair weather. Spring is long, cool, with frequent fluctuations in temperature. Summers are warm and humid, during the summer months there is a maximum amount of precipitation, in some areas up to 90% of annual precipitation. Autumn is usually warm, dry, with clear weather. In summer, southerly winds prevail from the Pacific Ocean, and in winter, northerly winds, bringing cold but clear weather from continental regions. The main feature is heavy precipitation and fog in summer. Summer is the time of typhoons, these tropical cyclones visit the region every year, sometimes causing great damage to the infrastructure of the region and agriculture . The average July temperature is +17 ... + 26   °C.The coldest summer in the region is on the East coast of Primorye because of the cold Primorsky Current, on the coast of the Tatar Strait . The hottest on the Khanka Plain. The absolute maximum of +41   °C is registered in the Border region . The average January temperature is from –8   °C to −18   °C on the coast, which, paired with humidity and winds, lowers it by 2 times, and in continental areas with a drier climate, the temperature sometimes reaches −38   °C, but wind weaker.

The warmest winter is in the south of the Khasansky district and on the East coast, the coldest is in the mountainous regions of the central and northern part of the region. The absolute minimum of −49   °C recorded in the Krasnoarmeysky district near the village of Glubinnoye is related to the temperature inversion in the intermountain basin. The coldest months are December, January and February. The warmest are June, July and August in the continental regions; July, August and September on the coast. Precipitations are 600–900   mm per year.

In the Primorsky Territory, four districts: Dalnegorsky , Kavalerovsky , Olginsky and Terneisky , as well as the urban-type settlement of east Krasnoarmeysky district, the village of Boguslavets, Vostretsovo, Dalniy Kut, Izmaylikh, Mill, Roshchino and Taiga in the district are equal to the districts of the Extreme North.

Below are several systems that describe the flora and vegetation of the Primorsky Territory in one form or another . Used: floristic zoning, vegetation classification, bioclimatic zoning and landscape classification together with physiographic zoning. The natural area is an alternative name for the landscape area. [2] [3] [4]

• Geography of Russia
• Russian Manchuria

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Primorsky Krai , informally known as Primorye , is a federal subject of Russia, located in the Far East region of the country and is a part of the Far Eastern Federal District. The city of Vladivostok on the southern coast of the krai is its administrative center, and is one of the two largest cities in the Russian Far East together with Khabarovsk. The krai has the largest economy among the federal subjects in the Russian Far East, and a population of 1,845,165 as of the 2021 Census.

Arsenyev is a town in Primorsky Krai, Russia, located about 160 kilometers (99 mi) northeast of Vladivostok, the administrative center of the krai. As of the 2010 Census, its population was 56,750. It was known as Semyonovka until 1952.

The Ussuri or Wusuli is a river that runs through Khabarovsk and Primorsky Krais, Russia and the southeast region of Northeast China. It rises in the Sikhote-Alin mountain range, flowing north and forming part of the Sino-Russian border, until it joins the Amur as a tributary to it near Khabarovsk. It is approximately 897 km (557 mi) long. The Ussuri drains the Ussuri basin, which covers 193,000 km 2 (75,000 sq mi). Its waters come from rain (60%), snow (30–35%), and subterranean springs. The average discharge is 1,620 m 3 /s (57,000 cu ft/s), and the average elevation is 1,682 metres (5,518 ft).

The Sikhote-Alin is a mountain range in Primorsky and Khabarovsk Krais, Russia, extending about 900 kilometres (560 mi) to the northeast of the Russian Pacific seaport of Vladivostok. The highest summits are Tordoki Yani at 2,077 metres (6,814 ft) above sea level, Ko Mountain in Khabarovsk Krai and Anik Mountain in Primorsky Krai.

The Arsenyevka is a left tributary of the Ussuri in Anuchinsky and Yakovlevsky Districts of Primorsky Krai, Russia.

Tordoki Yani or Tardoki Yani is the highest peak of the Sikhote-Alin Mountains. It is located in the southeast of Khabarovsk Krai to the north of the border of Primorsky Krai. It is a table mountain and rises to an elevation of 2,090 m. The mountain is the source of the river Anyuy.

The temperate rainforests of the Russian Far East are within the Russian federal subjects Primorsky Krai and Khabarovsk Krai and contains the Sikhote-Alin mountain range. Found within the Russian Federation, this area is one of the most productive and diverse forests in the world and also contains one of the highest endangered species densities on Earth. While most temperate rainforests around the world have retained only a fraction of their historical range, these forests maintain the majority of their former range and almost all of their historical biodiversity. The region is also notable for having what has become the last remaining large tract of viable habitat for the critically endangered Amur tiger and Amur leopard.

Zov Tigra National Park , is a mountainous refuge for the endangered Amur Tiger. The park encompasses an area of 83,384 hectares on the southeast coast of Russia's Far East in the federal district Primorsky Krai. The park is about 100 km northeast of Vladivostok, on both the eastern and western slopes of the southern Sikhote-Alin mountain range, a range that runs north-south through the Primorsky Krai. The relatively warm waters of the Sea of Japan are to the east, the Korean peninsula to the south, and China to the West. The terrain in rugged and difficult to access, with heavily forested taiga coexisting with tropical species of animals and birds. The park is relatively isolated from human development, and functions as a conservation reserve. Tourists may visit the portions of the park marked for recreation, but entry to the protected zones is only possible in the company of park rangers.

Anyuysky National Park covers the basin of the Anyuy River, on the west slope of the Central Sikhote-Alin Mountain range in the Russian Far East. The Anyuy flows west into the Amur River, the main river of the region, as it flows northeast into the Sea of Okhotsk. The park is important because it creates an ecological corridor from the low floodplain of the Amur, to the high forested mountains of the Sikhote-Alin. The park is in the Nanaysky District in Khabarovsk Krai, about 50 miles downstream of the city of Khabarovsk. The area is remote, with few towns and sparse population. The area has historically depended on salmon fishing, logging, and hunting. The local indigenous people are the Nanai people, representing about a quarter of the nearby settlements.

Udegeyskaya Legenda National Park covers the richest coniferous-deciduous forest on the western slope of the Central Sikhote-Alin mountains of the Russian Far East. The Sikhote-Alin is a range that runs north-south through Primorsky Krai. The park is designed to protect west-slope river valley habitat, and to support the remnant of the indigenous Udege people. The area is known for abundant fishing and boating on the streams and rivers. It is also a refuge for the endangered Amur tiger. The park is roughly midway between the city of Vladivostok, and Khabarovsk. The relatively warm waters of the Sea of Japan are to the east, the Korean peninsula to the south, and China to the West.

Bikin National Park was created on November 3, 2015 to protect the largest remaining old-growth mixed forest in the Northern Hemisphere, as well as the territory of 10% of all Amur tigers in the wild. The park was also created for the purpose of protecting the forest culture of the 600 indigenous inhabitants of the Bikin River Basin living in the territory - Udeghes and Nanai people. Because of its size for pristine forest, and its characterization as a "temperate rain forest", it has an important status as a center for biodiversity of both plants and animals. The park sits in the administrative region of Pozharsky District, in Primorsky Krai in the Russian Far East on the west slope of the Sikhote-Alin mountains. The Bikin River Valley is also a World Heritage site.

Lazovski Nature Reserve is a Russian 'zapovednik' that sits on the southeastern slopes of the Sikhote-Alin mountain range, down to the coast of the Sea of Japan, in Primorsky Krai in the Russian Far East about 150 km due east of Vladivostok. The reserve is 95% forested, with the largest stand of yew trees in the Russian Far East, and has been the subject of scientific study since the 1800s for its rich communities of plants and animals found in the transition mountain to maritime zones in a temperate, rainy forest. Lazonvsky Reserve contains more species than any other reserve in the Russian Far East, and 60% of the species in the Priomorky region are found on the reserve. It is jointly managed with the Zov Tigra National Park, located about 50 km to the northwest. The reserve is situated entirely within the Lazovsky District of Primorsky Krai. The reserve was created in 1957, and covers an area of 120,989 ha (467.14 sq mi).

Bastak Nature Reserve is a Russian 'zapovednik' located in the Amur River basin in the Russian Far East. The reserve's territory covers the south-eastern spurs Bureya Range and the northern outskirts of the Sredneamurskaya lowlands. The reserve is situated in about 10 km north of the city of Birobidzhan in the Birobidzhansky District, and is the only national reserve in the Jewish Autonomous Oblast.

Bolon Nature Reserve is the oldest Russian 'zapovednik' in the Russian Far East. It is located on the Middle Amur River lowlands adjacent to the south-west of Lake Bolon. The reserve covers the wetlands of international importance. Large numbers of migratory waterfowl use the area for nesting and stopovers on long flights. The reserve is situated half way between the city of Khabarovsk and Komsomolsk-on-Amur, in the Amursky District of Khabarovsk Krai. The reserve was created in 1997, and covers an area of 100,000 ha (390 sq mi).

Botcha Nature Reserve is a Russian 'zapovednik'. It is the northernmost reserve inhabited by the endangered Amur Tiger. The reserve is located in the north-eastern part of the Sikhote-Alin mountain range; it includes the Botchi River basin on its eastern slopes. The reserve is about 120 km south of the port city of Sovetskaya Gavan in the Sovetsko-Gavansky District of Khabarovsk Krai. The reserve was created in 1994, and covers an area of 267,380 ha (1,032.4 sq mi).

Ussurisky Nature Reserve is a Russian 'zapovednik' that protects one of the remaining virgin mixed deciduous-conifer forests in the Primorsky (Maritime) region of the Russian Far East. The mountainous terrain is located on a southern spur of the Sikhote-Alin Mountains, in the upper reaches of the Komarovka River, about 50 km northeast of the city of Vladivostok. The reserve is named after Vladimir L. Komarov, an important early botanist and early explorer of the Primorsky region. The Ussursisky Reserve is situated in the Shkotovsky District of Primorsky Krai.

Khanka Nature Reserve is a Russian 'zapovednik' that covers portions of the shore and waters of Lake Khanka, the largest freshwater lake in the Russian Far East. It is an important area for nesting and migrating waterfowl and other birds. The reserve is divided into five distinct sectors on the southern and eastern shores of the lake. The reserve is situated in the Spassky District, in the southwest of Primorsky Krai. It was formally established in 1990, and covers an area of 437 km 2 (169 sq mi). It is part of a UNESCO Biosphere Reserve.

The Okhotsk-Manchurian taiga ecoregion is an area of coniferous forests in the Russian Far East, covering the Amur River delta, the west coast of the Okhotsk Sea, and the rugged extension of the northern Sikhote-Alin Mountains that run southwest-to-northeast through the Primorsky and Khabarovsk regions. It is the southernmost taiga forest in Eurasia. The ecoregion is distinguished from surrounding ecoregions by the slightly warmer climate due to the maritime influence and the shield of the mountains to the west, and by the mixing of flora and fauna species from Okhotsk-Kamchatka communities to the north and Manchurian species from the south. The forest at lower altitudes is "light taiga", and "dark taiga" at higher altitudes.

The Ussuri broadleaf and mixed forests ecoregion covers a mountainous areas above the lower Amur River and Ussuri River in Primorsky Krai and Khabarovsk Krai in the Russian Far East. The ecoregion is in the Palearctic realm, with a Humid Continental climate. It covers 187,357 km 2 (72,339 sq mi).

The Suiphun–Khanka meadows and forest meadows ecoregion is a relatively small ecoregion centered on Lake Khanka, a fresh water lake in the Russian Far East, with a portion in China. The terrain is unforested, flat, and marshy. The area is an important stopover spot for migratory birds, including many vulnerable species. It has an area of 33,929 square kilometres (13,100 sq mi), and is in the Flooded grasslands and savannas biome.

• ↑ Geographical positions of Primorsky Krai
• ↑ "Forests of Northeast Asia" .
• ↑ "Botanica Pacifica, 2008" (PDF) .
• Geography of Primorsky Krai Archived 2020-02-20 at the Wayback Machine
• Geography and tourism in Primorsky Krai