Boat Insurance

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Boating, what a grand lifestyle, the vast waterways of the United States offer all boaters an excellent resource. Whether pleasure boating on the inland waterways, sport fishing off the Florida coast, or cruising in the Pacific, the rest of the world and its worries can seem a million miles away. United Marine Underwriters specializes in protecting this lifestyle. We are specialty marine insurers, catering specifically to meet the needs of boat owners and their boating activities. For the best boat insurance rate, call 800-477-7140, or get a boat insurance quote online. Then customize your quote using our edit and shop options, or quickly compare insurance for additional boats.

We understand your needs as a boat owner. We know because we are boaters. We will work with you to compare boat insurance side by side and determine the best and most affordable boat insurance coverage for you and your watercraft. Our Boaters Assistance Program automatically includes consequential loss coverage. Consequential loss provides coverage to your boat from sinking, burning, or collision, even if the cause of loss is excluded. Why is this important? Because all boat insurance policies have exclusions that say, all damages resulting from wear, tear, or gradual deterioration is excluded. If your boat sinks due to wear and tear, your entire loss could be excluded. With our Boaters Assistance Program, if your boat sinks, you're always covered. You will also benefit from our A+ rated insurance companies offering absolute security, broad coverage, and competitive premiums.

United Marine Underwriters provides the boat owner with a complete package of coverages and the ability to tailor the benefits, resulting in one of the best boat insurance programs available. Quality and competitive boat insurance services to boat owners and insurance agents for over 30 years.

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like the updated website and handling the signed app is magnificent. Already liked United Marine, you have all my boat business from here on out. Excellent and very caring of your agents and policyholders. Product coverages are the best as well. You are likely the best insurance carrier we've ever done business with from head to toe, right down to the customer service reps and underwriters we work with. Thanks!! Mike R - Agent


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Why United Marine Underwriters

I'm Randy Troutman, founder and president of United Marine Underwriters. I grew up in a boating and insurance family. I opened United Marine Underwriters in 1990, from that point on, I have made a career of creating the absolute very best boat insurance agency. I guarantee you that we are the most knowledgeable, most efficient, and the most dedicated.

It's Not Just Boat Insurance

It's understanding that no two boat insurance policies are alike. Many agents are unaware of these differences.

We have a small professional staff that provides the absolute very best customer service. You will get to know Tom, Kathy, Becky, and Kim on a personal basis.

We have superior technology like our “90 second Quick Quotes”.

It is using this technology to bring you the absolute very best customer service, like comparing your premium each year. We will always provide you the best premium we have available.

We have programs for all types of watercraft including, PWCs, runabouts, bass boats, pontoons, cruisers, sportfish, performance, yachts, and mega yachts.

Your Agent

Do you like our boat insurance program but prefer working with your agent? Your agent can purchase and service this quote for you. Boat insurance is a specialty, and like most specialty insurance programs, we do business directly with you, the boat owner, and with insurance agents. There is no change in the premium or any additional cost to you. Many insurance agents are not always up to date on the boat insurance market and will be thankful for the suggestion. You get the benefit by having an excellent boat insurance policy and your local agent. Have your agent call us at 800-477-7140.


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Questions About Your Boat Insurance Quote?

Check our Frequently Asked Questions for a quick answer to your boat insurance quote or related question. These include:

You can also contact us.

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Boater's Assistance Program

It's Included Here for


Don't Pay More To Purchase

Road Side Assistance
Emergency Service & Towing Assistance
$25,000 for Supplemental Family
Fishing Gear / Personal Effects
Consequential Loss Coverage
Lower Electronics Deductible
Underinsured Boat Owners
Non-Owned Watercraft
Named Storm Haul Out
Fuel Spill Liability

Agreed Value
No depreciation on ANY item up to 11 years of age

Trip Interruption Coverage
$1000 a day Boat Rental
$250 per day Lodging
$250 per day Meals
$250 per person
Emergency Transportation

How much insurance coverage do I need on my boat?

You should always insure the boat for its current value. The objective of the boat insurance policy is to put you back in the same year, length and make of boat in the event of a total loss.

New Purchase

If this is a new purchase (new or used), you should insure the boat for the purchase price plus any extras you may have added. The insurance company expects to insure the vessel for your purchase price. If you wish to insure the vessel for more or less than the purchase price, you will need to document the increase or decrease in value.

Currenly Owned

If you currently own your boat, you can use price guides such as BUC or NADA used boat price guides. You can also review current pricing by reviewing boats for sale. In some cases, a Marine Survey may be helpful or necessary to determine the current market value.


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