What to Do When You Can’t Find Boat Insurance

Insurance Services Tips 

Boating is an exciting and enjoyable activity for many people. Whether you're cruising along the coast, fishing in a lake, or spending time with family and friends, being on the water is an experience like no other. However, owning a boat comes with a lot of responsibilities, including finding the right boat insurance to protect your vessel and passengers.

Unfortunately, finding boat insurance can be challenging, especially if you have a unique or older boat. In this article, we'll explore what to do when you can't find boat insurance, and provide some tips and advice to help you navigate this process.

Understand the Risks

Before we dive into the solutions, it's important to understand the risks of not having insurance for your boat. Accidents can happen on the water, and without insurance, you could be responsible for costly damages and injuries. Additionally, many marinas and waterways require proof of insurance before allowing you to dock or launch your boat.

The risks of not having insurance can be significant, and it's important to take them seriously. Without insurance, you could be financially responsible for any damages or injuries that occur as a result of an accident. This can include damage to your boat, other boats, or property, as well as medical expenses for any passengers or other individuals who are injured.

Shop Around

If you're having trouble finding boat insurance, the first step is to shop around. Start by contacting your current insurance provider to see if they offer boat insurance. If they don't, ask for recommendations or search online for insurance companies that specialize in boat insurance.

When shopping for boat insurance, it's important to compare policies and rates from multiple providers. Don't simply choose the first policy you come across, as it may not provide the coverage you need or may be more expensive than other options. Consider factors such as coverage limits, deductibles, and exclusions, as well as the reputation and financial stability of the insurance company.

Consider Alternative Insurance Options

If you're still having trouble finding boat insurance, consider alternative insurance options. For example, some homeowners insurance policies may offer limited coverage for small boats or personal watercraft. Additionally, some credit cards offer insurance for rental boats. While these options may not provide comprehensive coverage, they can offer some protection in case of an accident.

It's important to note that alternative insurance options may not be sufficient for all boaters. For example, homeowners insurance may only provide coverage for boats up to a certain size or value, and may not cover certain types of damage or liability. Additionally, credit card insurance for rental boats may only provide coverage for a limited period of time, and may not cover all types of accidents or damages.

Join a Boating Club

Another option is to join a boating club. Many boating clubs offer insurance as part of their membership benefits. Additionally, being part of a boating club can provide access to resources and support in case of an accident.

Boating clubs can be a great resource for boaters, providing access to a community of like-minded individuals, as well as resources such as safety training, navigation tools, and emergency support. Some boating clubs also offer discounts on boat insurance, making it easier and more affordable to get the coverage you need.

Consider Self-Insurance

If all else fails, you may need to consider self-insurance. This involves setting aside money in case of an accident or damages. While self-insurance can be risky, it may be the only option for some boaters.

Self-insurance requires discipline and financial planning, as you'll need to set aside enough money to cover any potential damages or liability. This can be difficult to do, especially if you're not sure how much you'll need to set aside. Additionally, self-insurance may not provide the same level of protection as a traditional insurance policy, as it may not cover all types of damages or liability.


Finding boat insurance can be a challenge, but it's important to have coverage in case of an accident. Start by shopping around and considering alternative insurance options. If all else fails, consider self-insurance. By taking these steps, you can protect yourself and your boat on the water. Remember, boating is a fun and exciting activity, but it's important to take the necessary precautions to ensure your safety and the safety of others.