Personal Lines · Calculator, Comparison & Guide

Boat & Coastal Watercraft Insurance: Calculator, Comparison Table & Guide

Bay boats, offshore, sail, and PWC. Navigation area and hurricane season plan drive coastal pricing.

Prong 1 · Interactive Calculator

Boat & Watercraft Estimator

Bay boats, offshore, sail, and PWC. Navigation area and hurricane season plan drive coastal pricing.

Results
LineEstimate
Hull / physical damage —
Liability + medical + UM boater —
Hurricane plan creditFlorida carriers commonly require a named-storm plan; TX coastal carriers credit it. —
Estimated annual premium —
Typical named-storm deductible (10%)Coastal policies often apply a 5%–10% named-storm deductible vs. 1%–2% standard. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Watercraft Coverage Options

Homeowners endorsement vs. boat policy vs. yacht policy.

CriterionHomeowners EndorsementBoat Owners PolicyYacht Policy (Agreed Value)
Hull coverage basisACV, small boats onlyACV or agreed valueAgreed value
LiabilityShared with home$300K–$1M separate$500K–$5M
Navigation areaInlandDefinedDefined, extendable
Named-storm deductibleHome deductible5%–10%Negotiated
Salvage / wreck removalExcludedIncludedIncluded
Fuel spill (OPA 90)ExcludedIncludedIncluded
Uninsured boaterExcludedIncludedIncluded
Best fit< 26 ft, < 50 hp, lakeMost boats> 27 ft, offshore, > $100K
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Boat Insurance on the Texas & Florida Coasts: Hurricanes, Navigation, and Salvage

Why a coastal boat policy is different, and what a named storm does to your deductible.

Hull: ACV vs. agreed value

Agreed value pays the scheduled amount with no depreciation argument. Worth it above $25K.

  • Include electronics, trailer, and tender
  • Survey required for boats > 10 years or > $100K

Named-storm deductibles and haul-out

Coastal carriers apply a separate 5%–10% deductible for named storms and may require a hurricane plan.

  • Haul-out reimbursement (50% of cost, up to $1K–$2K) is a common feature
  • Wet slip vs. lift vs. trailer changes the rate
  • Florida June–November: some carriers restrict binding

Liability and the extras

Boat liability, fuel spill (OPA 90 up to $1M), wreck removal, and uninsured boater are all separate line items.

  • $500K liability minimum; umbrella requires it
  • Wreck removal: sinking a 30-ft boat in the ICW can cost $20K to raise
  • Medical payments for guests

Frequently Asked Questions

Does homeowners cover my boat?

Small boats (< 26 ft, low horsepower) for physical damage at low limits and liability on inland waters. Anything coastal or powered needs its own policy.

What about a trailer?

Scheduled on the boat policy; liability while towing is on your auto.

Is my boat covered in Mexico?

Only with a navigation extension and, for Mexican waters, a separate Mexican liability policy.

Related: boat insurance Texas · yacht insurance Florida · coastal watercraft · hurricane haul-out

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The Smart Intake takes about two minutes. A licensed advisor reviews your boat & coastal watercraft exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.