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Boat insurance simplified.

Say goodbye to choppy waters and say hello to protection and savings.

Get insured and boat on any lake or river in the U.S., as well as ocean waters within 75 miles of the coast. We’ve removed common requirements and restrictions other carriers impose when insuring boats, such as navigation plans or marine surveys, so you can always get the protection you need*.

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Boats we insure

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Bass & fishing boats

Boats built specifically for fishing, with features like trolling motors, power poles, etc.

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Pontoon boats

Boats built on hollow metal cylinders for cruising on lakes and rivers.

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The most popular type of boat, used for fishing, cruising, watersports and more.

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Personal watercraft (PWC)

These include Jet Skis, Sea-Doos, WaveRunners, and similar watercraft meant for one to three people.

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Boats that use at least one sail for power, although they may also have a motor.

Discounts available: Original Owner, Responsible Driver, Association Member, Transfer from Another Company, Advanced Quote, Pay in Full and more!

Our coverages include:

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Full replacement cost

When your watercraft needs to be repaired, we always bring your boat back to its previous condition or better, and never depreciate the value of any of your parts.

Example: Four seats are damaged on your 10 year-old boat. They’re older and only worth $50 each, so some insurers may only give you $200 ($50 per seat). But, you need new ones that cost $250 each. We’ll pay the full $1,000 for all new seats. That's an $800 difference!

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Wreckage removal and fuel spill

Wreckage removal and fuel spill coverages are automatically included in every Progressive boat insurance policy. If your boat sinks or you’re responsible for a fuel spill, we cover the bills all the way up to your policy’s property damage liability limits. We only remove your sunken boat if it’s legally required.

Example: Your old boat sinks while docked. The Coast Guard may require you to remove the wreckage and address any fuel spills. Just contact us to file the claim, and we cover the costs.

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On-water towing

If your boat is disabled or breaks down on the water, boat towing insurance pays for on-water towing, jump starts, soft un-groundings, and fuel delivery if your boat is disabled on the water. Just call our dispatch center, and we’ll arrange for and pay the tow operator directly. You pay nothing out of pocket for boat towing service.

And More!


You have questions. We have answers.

Get your boat insured today

* Boats must be valued at no more than $500,000 and not longer than 50 feet.

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Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.

Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, HIPPO Insurance Services, Lyndon Southern Insurance Company and others.

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