Boat Insurance

Owning a boat comes with unique insurance needs on and off the water. A boat insurance policy can help protect your vessel, equipment, passengers, liability exposure, and financial future from covered accidents, theft, storms, and other unexpected losses.

At Annagard Insurance Agency, we help boat owners find affordable boat insurance policies designed around their vessel, boating habits, storage location, and protection needs.

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Close-up of boat dashboard with navigation equipment on water.

Why Boat Owners Choose Annagard

We make boat insurance easy to understand with personalized guidance, competitive carrier options, and coverage tailored to your boat ownership responsibilities.

Personalized Coverage

Protection designed around your vessel, passengers, equipment, and boating lifestyle.

Multiple Carrier Options

Compare coverage solutions from trusted insurance companies.

Responsive Support

Professional guidance before, during, and after your policy purchase.

What Our Clients Say

We’re proud to help individuals, families, and businesses find insurance solutions they can rely on.

      EXCELLENT  
   Based on 18 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Anna 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service for our trucking business. Highly recommend his services!
  
 
      Posted on Google  
   
   Kemsly Occeus 
 
 
 
 Trustindex verifies that the original source of the review is Google. He is doing a good job for our community and I really appreciate his service. That services was good, fast and know how to communicate with people. Come and get your insurance from him and you won’t regret it. Thanks for everything bro.
  
 
      Posted on Google  
   
   Angel D Gallo 
 
 
 
 Trustindex verifies that the original source of the review is Google. fast, excellent service 👍
  
 
      Posted on Google  
   
   Orlando Rodriguez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best commercial insurance best price .. he sure knows what he’s doing. He got me the right policy when others didn’t know what they were doing. For  commercial insurance needed for trucks tow and trucks.
  
 
      Posted on Google  
   
   Sonni Kim 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rodian is the best agent I have worked with ever. Extremely helpful and responsive. Really works for your company, looking out for your interests and making sure you have the best coverage and pricing. Highly recommend!
  
 
      Posted on Google  
   
   Sarah Hollman 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the best experience today with an agent , he helped me look up different policies and gave me insight on what limits would be best for my vehicle ... while still staying in my budget . Thank you !
  
 
      Posted on Google  
   
   Shayma Ayvaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ron, is always helpful and always Available. There has never been a time I needed anything and didn't deliver! Quick turn around also. Highly recommended
  
 
      Posted on Google  
   
   Sonny T 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really great experience. Annagard helped me get the best quotes. Very professional service! I definitely recommend Annagard Insurance Agency!
  
 
      Posted on Google  
   
   Simon Szpak 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can highly recommend this business!  They can help you and your company to find the best solution and offer very attractive pricing. You can also save your time as the quotes and the estimates are being prepared very quickly. These folks are surprising in positive meaning only!

Coverage Options

Boat Insurance Coverage Built For Life On The Water

Physical Damage

Helps protect your boat if it is damaged by covered risks such as collision, theft, fire, vandalism, wind, or certain storm-related losses.

Liability Coverage

Protects upgrades and improvements made to your unit, including flooring, cabinets, countertops, built-in shelving, and other custom features.

Medical Payments

May help pay medical expenses for you or your passengers after a covered boating accident, regardless of who is at fault.

Uninsured Boater

Helps protect you and your passengers if you are involved in an accident with another boater who does not have enough insurance.

Towing & Assistance

Can help with towing, fuel delivery, jump starts, and other emergency assistance if your boat breaks down on the water.

Equipment & Accessory

Additional coverage may be available for fishing equipment, trailers, navigation systems, personal effects, and other boating accessories.

Who We Help

Boat Insurance For Every Type Of Boater

Boat Owners

Coverage guidance for new boat owners learning how to protect their vessel, passengers, and financial responsibility.

Recreational Boaters

Insurance options for weekend trips, family outings, lake days, and seasonal boating fun.

Fishing Boat Owners

Protection for fishing boats, equipment, accessories, and the risks that come with time on the water.

Pontoon Owners

Coverage solutions for pontoons, bowriders, center consoles, cruisers, and other recreational watercraft.

Frequently Asked Questions

Boat insurance may help cover physical damage to your vessel, liability claims, medical payments, uninsured boaters, emergency assistance, equipment, and certain accessories depending on the policy.

Boat insurance requirements vary. Some lenders, marinas, or storage facilities may require coverage. Even when it is not required, boat insurance can help protect you from costly accidents, theft, and liability claims.

Many mortgage lenders require boat insurance. Even when it is not required, coverage can help protect you from significant financial losses resulting from accidents, theft, or property damage.

Coverage needs vary based on your unit, personal belongings, upgrades, and financial situation. Our team can help you determine appropriate coverage limits.

Yes. Many carriers may offer savings opportunities when boat insurance is bundled with auto, home, condo, renters, or umbrella insurance.

Ready To Protect Your Boat?

Get personalized boat insurance coverage designed around your vessel, passengers, equipment, and time on the water.

Request A Quote