Boat Insurance for Sailboats
Find the Right Sailboat Insurance with Roamly
Coverage Options for Daysailers, Cruising Sailboats, and Catamarans, From Carriers Who Know the Water
Why Choose Roamly for Sailboat Insurance?
- Multiple Carriers, One Quote: For marine coverage, Roamly compares policies from a panel of marine-focused carriers, so you're not limited to one company's option.
- Sails and Rigging Options: Carriers we work with may cover sails, rigging, and electronics in a covered partial loss, and we'll help you compare how each one handles depreciation.
- Racing Coverage Options: Some carriers we work with cover racing, with limits, so you don't have to give up the Wednesday night series.
- Coverage Where You Sail: We'll help you match your policy's navigation area to where you actually sail, from your home lake or bay to coastal cruising.
- Licensed Marine Specialists: Our licensed agents boat too, and they'll help you compare coverage in plain language.
At Roamly, we're not just insurance agents — we're boaters who know a sailboat isn't a powerboat with a mast. Horsepower and top speed matter less, while your rig, your sails, where you keep the boat, and how far you sail matter more. We'll help you find a policy built around the boat you actually sail.
How Much Does Sailboat Insurance Cost?
Sailboat insurance can be affordable, especially for smaller boats. As of October 2026, Progressive advertises liability-only sailboat coverage starting at about $100 a year (not available in D.C.), and one insurer's published estimate puts most sailboat policies at roughly $250 to $1,500 a year. For larger cruising sailboats and catamarans, broker estimates commonly run about 1% to 2% of hull value per year, with higher rates in hurricane zones or for charter use. Your price depends on your sailboat's length, value, and age, where you keep it, how far you sail, and your sailing experience.
- Quotes From Multiple Carriers: Compare options side by side instead of taking one company's price.
- Personalized Quotes: Based on your boat, your home waters, and your cruising plans.
- Discounts You May Qualify For: Carriers we work with may offer savings for a boater safety course, a lay-up period in dry storage, or insuring more than one boat.
Average Cost Range (as of October 2026):
- Liability-Only Policies: From about $100 per year (Progressive's advertised starting price for liability; not available in D.C.).
- Typical Policies: About 250–1,500 per year in one insurer's published estimate.
- Larger Cruising Sailboats and Catamarans: Commonly about 1%–2% of hull value per year in broker estimates, higher in hurricane zones or for charter use.
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your sailboat (collision, grounding, storm, lightning) | Not included | ✓ |
Sails, rigging, and electronics in a partial loss | Not included | Varies by carrier (may be depreciated by age) |
Racing | Not included | Varies by carrier |
Agreed value | Not included | Optional |
Personal effects | Not included | Optional |
Features to Look for When Shopping for Sailboat Coverage with Roamly
- Physical Damage Coverage: Look for protection against collision, grounding, storm, fire, theft, and lightning damage, whether you're under sail or on the mooring.
- Sails and Rigging Terms: Ask how the policy handles sails, rigging, and electronics in a covered partial loss, since some carriers depreciate them by age and others don't.
- Lightning Coverage: Check how the policy handles lightning damage. A 10-year BoatUS claims analysis found monohull sailboats far more likely to have a lightning claim than small powerboats, and multihulls almost twice as likely as monohulls.
- Navigation Area: Make sure the policy's navigation area matches where you sail, and ask about extensions for trips beyond it.
- Deductible Choices: Compare deductible options to find the balance between coverage and cost that works for you.
Ready to Protect Your Sailboat?
Get a Quote on Sailboat Insurance That Fits How You Sail
Whether it's an evening daysail, a club race, or a season of coastal cruising, Roamly works with carriers who understand sailboats. We'll help you find coverage so you can focus on the wind.
Why Roamly?
True replacement value
Your boat isn't just worth the Blue Book numbers. We'll find you a policy that insures it for what it's actually worth – including your upgraded electronics.
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.
Sometimes, but not much. Many homeowners policies extend some liability coverage to smaller sailboats, often under 26 feet, but coverage for damage to the boat itself is capped at a small amount, and it may only apply on inland waters. For a cruising sailboat or catamaran, a separate boat policy is usually the way to get real protection.
It depends on the carrier. Some carriers cover racing with limitations, while some policies exclude damage to masts, spars, and sails during a race unless you add coverage for it. Some races, especially offshore events, set their own insurance requirements, so check both your policy and the race rules before the start.
A sudden, accidental dismasting is generally treated as physical damage, but failure caused by wear, corrosion, or aging rigging is commonly excluded. Some carriers depreciate rigging and sails by age while others don't, and some may ask owners of older boats for a survey or rigging inspection, so keeping records of rigging work can make a real difference at claim time.
The biggest factors are your sailboat's length, value, age, and hull material, where you keep it and whether that's in a hurricane zone, your navigation area, whether you race or charter, your sailing experience and claims history, and the deductible you choose. Some carriers don't insure wood or steel hulls, which is another reason to shop more than one.
The coverage is similar, but catamarans often carry higher values, and a 10-year BoatUS claims analysis found multihulls almost twice as likely as monohulls to file a lightning claim. Broker estimates for cruising catamarans commonly run about 1% to 2% of hull value per year, depending on where you sail and whether the boat is chartered.
Policies commonly exclude wear and tear, gradual deterioration, marine life damage, and mechanical breakdown unless you add coverage for it, and many also exclude corrosion and osmosis or blistering. Freezing damage may be excluded unless the boat was properly winterized, and sailing outside your policy's navigation area without approval can leave you without coverage. Roamly can help you compare optional coverages, like mechanical breakdown, that may fill some of these gaps.
Still have questions?
Call us at 877.725.1245
Buy Insurance for a Sailboat
Find the Right Sailboat Insurance with Roamly
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
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.
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