Boat Insurance
Jet Ski Insurance

Personal Insurance

Boat Insurance

Available in all 50 states.

Boating is a cherished pastime, whether fishing, skiing, or simply enjoying the ocean views. Vessels can be a liability as well, one not covered by your homeowner’s policy. Don’t float bare. Our boat insurance program not only covers liability associated with operating watercraft (running into other boats, swimmers, divers), but also your investment (hull, motors, equipment, trailers). As an independent insurance agency, we offer many companies that specialize in boat insurance and are familiar with the strengths of each. Count on us to steer you in the right direction.

We can insure

  • Pleasure craft
  • Motorboats
  • Sailboats
  • Yachts
  • House Boats
  • Jet ski insurance / PWC
  • Fishing boats
  • Commercial craft
  • Any waters, lakes, rivers, inland or ocean
  • All states
  • Any size or value
  • New or old watercraft

We Offer

  • Many insurance companies available
  • Quality coverage at the best prices in the industry
  • Liability, Hull, Motors, plus any attached equipment
  • Expertise with prompt, courteous service
  • Many deductible options, you choose
  • Discounts may apply

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At Bankers Insurance, the client is always in control.

Boat insurance premiums that won’t drown your fun.

With few exceptions, homeowners insurance will not protect your boat, jet ski, or associated liability. Most policies limit coverage to watercraft below twenty-five horsepower, while others exclude it altogether. If you or anyone piloting your boat injures someone while afloat, collide with another vessel, or run over a swimmer, your homeowners policy likely provides zero coverage.

Our boat insurance program provides the protection you need. We offer thorough coverage at reasonable prices. Jet ski insurance is a part of this program as well. Personal watercraft (PWC) are often overlooked, but represent a significant liability to their owners when considering the speeds at which they travel and the number of injuries they cause.

Coverage for any watercraft is similar to insuring a vehicle. Liability insurance is required, but physical damage to the boat itself (hull) may be added, along with motors, attached equipment, accessories, and even the trailer.

Quote Your Boat!

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Multi-Carrier Quotes

To ensure the best fit and lowest price. We will contact you when additional questions arise.


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jet ski insurance pwc insurance

Jet Ski Insurance | PWC Insurance

yacht insurance

Yacht Insurance

sailboat insurance

Sailboat Insurance

fishing boat insurance motorboat insurance

Fishing Boat Insurance | Motorboat Insurance

Boat Insurance Coverages

Where to Begin

  1. Research whether your homeowners policy provides any protection for boating. Ask your insurance agent. The answer is usually a strong No, with exceptions being tiny vessels and boats with motors less than 25 HP. However, if you fall within that class, it is valuable information.
  2. Approximate the value of your hull. Boats are notorious for dropping value after a few years, and there is no need to over-insure.
  3. Approximate the value of your motor(s).
  4. Add in the value of any other attached equipment such as fish finders, GPS systems, radar, custom canvas, etc. For jet ski insurance, don’t forget cost of modifications you’ve performed.
  5. Complete a boat insurance quote request to begin the process.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be boat insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific needs.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: