Boat insurance built for adventure.

Coverage for boaters who actually use their boats.

Real coverage for real boaters.

With exclusive access to a full panel of marine-focused carriers, we find coverage that actually fits your on-water adventures – not some insurance company's idea of 'recreational boating.'

What Makes Roamly Different?

Family-First Coverage

We understand boats are for making memories. Coverage that protects family fun, from weekend lake trips to teaching kids to ski.

True Replacement Value

Your 2018 Ranger 621 isn't just worth the Blue Book numbers. We'll find you a policy that insures your boat for what it's actually worth – including that upgraded Lowrance setup.

Real-World Coverage

From shallow water prop strikes to dock collisions, we cover the stuff that actually happens to recreational boaters.

Insurance by Boaters, For Boaters

Our marine specialists actually spend their weekends on the water. They speak your language because they boat too.

Trusted by 10,000+ adventurers who refuse to settle.

Real reviews that actually hold water.

"Roamly made it super easy and quick to insure my new boat."

— Isabel

Protection that actually gets it.

Coverage that understands the difference between a Skeeter and a Sea Ray, because we're boaters too.

No "Boat = Boat" Nonsense

We understand that your Yellowfin isn't your pontoon. Risk-based pricing that actually reflects how different boats are used. No more paying yacht rates for your bass boat.

Boat interior showcasing personal effects coverage with fishing gear, electronics, and safety equipment

Electronics That Matter

That Lowrance HDS and Minn Kota Ultrex cost real money. Electronics coverage up to $20,000 that reflects what quality marine gear actually costs – not some insurance company's idea of "reasonable."

Boat interior showcasing electronics coverage with fish finders and trolling motors

Extended Coverage Areas

Most companies stick to coastal limits. We offer extended coverage options for offshore fishing and coastal cruising when you need to venture beyond standard navigation areas. Because good fishing and cruising don't always stay close to shore.

Coverage that fits your boat.

From bass boats to bay boats, we've got protection that matches your watercraft.

Pontoon Boats

For families who know fun costs money.

Whether it's a Bennington or a Harris Crowne, we understand family boating.

Personal Property Coverage

For all the gear families haul (grills, sound systems, water toys).

Guest Liability

Enhanced medical when your nephew drives.

Dock Collision Coverage

Covers damage from docking mishaps (happens more than you think).

Agreed Value Options

Your choice based on your boat's actual value.

Insurance that keeps you afloat.

Because the things that matter to you also matter to us.

Why Roamly?

Most insurance companies see liability numbers. We see freedom on the water.

We actually boat.

We cover this lifestyle because we live it. When you call, you're talking to someone who's been caught in a squall.

Licensed marine specialists.

No overseas call centers. Our marine agents live to get out on the water. We'll find you the best coverage.

Straight talk, no BS.

We built Roamly on trust, not fine print.

Protection beyond the basics.

From blown engines to dead batteries, we've got your boat covered beyond standard insurance.

Mechanical Breakdown Coverage

Engines fail at the worst times. We’ll find you coverage for sudden mechanical breakdowns beyond manufacturer warranty. Average claim: $4,200.

Emergency Towing Service

Dead battery 10 miles offshore? You’re covered with proper marine towing and assistance. Because boats can't be towed like cars.

Personal Effects Coverage

Fishing gear, electronics, water sports equipment up to $10,000. Because your gear makes the boat.

Adventure looks good on you.

Winding mountain highway curves through rolling green hills at golden sunset, perfect scenic route for RV adventures

Get the real story on boat insurance.

Expert advice from boaters who've been there, done that, and got the T-shirt.

Hit the road

How to Choose the Right Boat Insurance Coverage for Your Vessel

The goal is simple: get the right protection so you can focus on what really matters—making memories on the water.

Insurance products

Liability vs Comprehensive Boat Insurance: Understanding Your Risk

Understanding your personal risk gap helps you choose the right protection for your specific boating lifestyle and budget.

Blog Post

Watercraft Theft Prevention: Unlock Insurance Discounts While Protecting Your Investment

Simple theft prevention measures like GPS tracking, security alarms, and proper storage can unlock insurance discounts while keeping your boat, PWC, or pontoon safe.

Questions? We've got answers that make sense.

We’re brokers. We shop multiple carriers to find you the best deal. Think of us as your advocate, not another company trying to sell you their one policy.

Everything that floats. Bass boats, center bowriders, pontoons, sailboats, PWCs, and custom builds. Up to $500K value and 50 feet long.

Still need answers?

Call us at 877.725.1245

father and son sailing on a boat with fishing gear and safety equipment

Ready to stop getting tossed around by insurance?

Get boater-built marine coverage. No surveys. No fine print surprises. No regrets.

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. Roamly license numbers. 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 Company, Foremost Insurance Company, National General Insurance, Mobilitas Insurance Company, and others.