We Know Your Boat Is More Than Just a Vessel, It's Where Life Gets Good
For most boat owners, time on the water isn't just recreation; it's where you unwind, connect with family, and create memories that last a lifetime. Your boat represents a real investment in the life you've worked hard to enjoy. It deserves real protection.
That's exactly why we're here.
At Thrifty Insurance Services, we do the comparison shopping for you. As an independent agency, we work with multiple top-rated carriers to find boat insurance that fits your specific watercraft, how you use it, and your budget. We explain everything in plain, easy-to-understand language, so you know exactly what you're covered for before you ever leave the dock.
Whether you own a modest fishing boat, a family pontoon, a personal watercraft, or a larger vessel, we'd love to help you find the right coverage for the way you enjoy the water.
"Most boat owners assume their home or auto policy covers their watercraft, until they find out the hard way that it usually doesn't."
What Kind of Watercraft Are You Looking to Protect?
We work with a wide range of boats and personal watercraft. If you're not sure what type of coverage your vessel needs, that's exactly the kind of question we're here to help you answer.
Fishing Boats
Coverage for your boat, motor, gear & liability.
Pontoon Boats
Protection for your boat, upgrades & equipment.
Speedboats & Powerboats
Coverage for performance, usage & liability.
Sailboats
Protection for sails, rigging & navigation equipment.
Personal Watercraft
Coverage for riders, passengers & liability.
Houseboats
Specialized protection for both vessel and living space.
Yachts & Larger Vessels
Comprehensive coverage for larger, complex boats.
Other Watercraft
Flexible coverage for unique or custom vessels.
Not sure what type of coverage your boat needs? That's a great question, and one we're happy to walk through with you. No pressure, just honest answers.
Talk to an AdvisorBoat Insurance Coverage Options We Can Help You With
Boat insurance isn't one-size-fits-all. Every vessel, every owner, and every body of water is a little different. Here's a look at the key coverage types we can help you explore and what each one actually means for protecting your investment and your time on the water.
- Liability Coverage
- Hull Coverage (Physical Damage)
- Personal Property & Equipment
- Medical Payments Coverage
- Uninsured Watercraft Coverage
- Fuel Spill Liability
- Towing Assistance
- Seasonal / Lay-Up Coverage
- Agreed Value vs. Actual Cash Value
Every boat and every boater is different. Let's talk through what makes the most sense for your specific vessel and how you use it.
Get a Personalized QuoteBoat Insurance for Every Kind of Boater
We work with all kinds of boat owners across our six service states, from casual weekend boaters to serious anglers and experienced sailors. Whatever your time on the water looks like, we'll help you find coverage that fits.
- First-Time Boat Owners
- Family Who Boat Together
- Fishing Enthusiasts
- Homeowners Looking to Bundle & Save
- Owners of High-Value or Specialty Vessels
- Seasonal & Occasional Boaters
Ready to Protect Your Time on the Water?
Your boat is where weekends get better, where family memories are made, and where the stress of everyday life fades into the background. Make sure it's protected the right way, so nothing gets in the way of enjoying every moment out there.
Let us compare options across top-rated carriers so you get boat coverage that truly fits your vessel, your lifestyle, and your budget. Getting started takes just a few minutes, and you'll have a real person ready to walk you through everything, clearly, honestly, and without any pressure.
No jargon. No runaround. Just straightforward guidance from people who genuinely care about protecting what matters most to you.
Proudly serving boaters in Arizona, California, Colorado, Texas, Oregon & Utah.
Boat Insurance Questions? We've Got Honest Answers.
Usually, only very limited. Homeowners may cover small boats on property, but not on water. Auto insurance doesn't cover boats. A boat policy is needed for real protection.
Not usually. But many marinas and waterways require liability coverage. Even when it's not required, it's strongly recommended.
Agreed value pays the full insured amount with no depreciation. Actual cash value deducts depreciation, so payouts are lower.
Sometimes. Some policies include it, others require add-ons. Coverage varies, so it's important to confirm and customize.
Yes. Seasonal or lay-up coverage can lower costs when your boat isn't in use.
Yes. Requirements and coverage options differ by state, so policies are tailored to where and how you use your boat.