Boat Insurance

Keep your sailboat, motorboat or personal watercraft in ship shape

Our sales team at Guaranteed Rate Insurance understands that being out on the water is your passion. For all you’ve put into your boat and for everything you get out of it, a great policy is an affordable and responsible choice. When accidents happen, it’s our goal to get you up and running so you can get back to doing what you love.

Your Guaranteed Rate Insurance specialist will compare your coverage options based on the type of watercraft you own, where you boat and what your needs are. If you ever need to file a claim, your agent is just a phone call away.

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Understand Your Coverage

  • Property coverage

    Your boat, motor, trailer and other boating or sports equipment is protected from a variety of events, including theft, collision and storm damage.

  • Personal Liability

    Liability covers damage to property, including other boats, as well as medical expenses for others if you are at fault. Talk to your agent about an Umbrella Policy to protect yourself against costs that exceed your policy limits.

  • Medical Payments

    Medical bills for yourself, your passengers and others if you’re involved in an accident.

  • Uninsured Watercraft Coverage

    Boat insurance doesn’t have legal mandates the same way car insurance does, so protection from additional risk is even more important. The right coverage won’t leave you with unpaid bills.

Additional Coverage Options

  • GAP Insurance

    If your boat is financed, GAP Insurance can cover the difference between the appraised value and your outstanding balance.

  • Emergency Services

    Don’t get left stranded! Get coverage for towing, labor, fuel, dead battery and more. Policies vary by carrier, but your agent will be able to tell you more about how you’re covered.

Save By Bundling

Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.

What our customers are saying...

  • In two words: Great service.

    Soad K.
  • My representative responded in a timely manner. She searched for the best coverage and price for our new town home. Meghan gave us excellent professional service!

    Barbara L.
  • The team at Guaranteed Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.

    Henry P.
  • Everyone I dealt with knew my name, knew my coverage, and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.

    Christopher J.
  • A one-stop shop! Amazing customer service! Straight shooters — like dealing with a great family member. Would highly recommend!!!

    Geraldine P.
  • For my first time buying a home, I never once felt like I was out of the loop. Everyone clearly communicated with me every step of the way. Guaranteed Rate Insurance found me insurance and beat my current company by a lot!

    Ryan K.
  • Our agent is super quick to respond to questions, provides information about anything I’m curious about, and works hard to keep our premiums low. We’re super happy that she works so hard for us!

    James M.
  • Who I worked with was so kind and friendly. She made sure I knew what was going on. She got our insurance quick.
    — Cassie S.

  • I appreciated you all being patient with me and my father. It was my first time and I had a lot of questions and made mistakes. And, considering how unprecedentedly busy you all are this time of year, the responses were prompt enough. I appreciated the help very much.
    — Krishan A. 

  • We had many questions through the process and she was very thorough and prompt with her replies. She got us the coverage we needed at an incredible value – cutting my car insurance in half and finding us a home insurance plan that was incredibly affordable. We are thankful to her and Guaranteed Rate Insurance for getting us the coverage we needed with little to no effort from us.
    — Erik D. 

  • What an amazing experience. The communication throughout was great. The sense of urgency and timeliness of the process was beyond what I expected!
    — Eric E. 


  • How can I better the best.
    — Jorge T.



  • An easy experience it has been getting our mortgage and homeowners through Guaranteed Rate. They have made a harrowing experience so very easy; they streamline any process that needs to be completed and answer all questions with patience and clarity! I would highly recommend them to any family members and friends looking to purchase a home. Thanks Guaranteed Rate staff…you’re the best!
    — Terry D.