Your Complete Boat Insurance Guide for Louisiana

New Orleans
Baton Rouge
Lafayette
Lake Charles

Kenner
Houma
New Iberia
Slidell

Central
Sulphur
Hammond
Gretna

Thibodaux
Crowley
Baker
Mandeville

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How Does Louisiana Boat Insurance Work?

Boat insurance is optional in Louisiana, but most boat owners should use it to protect their investment.  

Louisiana boat insurance works a lot like car insurance. It covers physical damage to your boat as well as bodily injury and property damage that occur while you are operating your boat. You can choose several coverage options depending on what type of boat you have, how and where you use it and what types of items you keep onboard. Boat insurance pays you for the cost to repair your boat and pays for the cost of injured persons' medical expenses, depending on your coverage.

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Is My Boat Covered by My Homeowners Insurance?

Many homeowners insurance policies include limited coverage for small boats with no engine, small sail boats, canoes and personal watercraft. This is likely insufficient coverage for most boats even if you are simply storing a larger boat in your garage for the winter.

So how much boat insurance do you need? Before purchasing boat insurance, check your homeowners policy to be sure what, if any, coverage you might have. For physical damage coverage, your boat insurance should be based on the boat’s value, motor size, age and use.

Boat liability coverage helps protect you if you are sued for causing injury or physical damage to someone else. Most insurance professionals recommend buying at list $1,000,000 in liability coverage, and in some instances, you may need more. 

The typical minimum coverage amount for uninsured/underinsured boater coverage is $10,000. The amount you purchase should reflect the potential injuries and damage you may need to cover if you or one of your passengers is seriously hurt or if your vessel is damaged.

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What Does Louisiana Boat Insurance Cover?

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Pays for damage to another person's property

Example: You crash your boat into someone else's Jet Ski.  

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Pays for damage to your own boat or trailer

Example: A heavy storm passes through your city and damages the boats electrical system.

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Pays for medical expenses related to someone injured on your boat

Example: You drive over some choppy water and one of your passengers hits his or her head against the boat, resulting in a concussion.

Some additional coverage options include the following:

  • Personal property coverage for equipment such as tools, life preservers, anchors and oars
  • Coverage for fishing equipment like rods, lures, nets and tackle
  • On-water towing and labor coverage for a disabled vessel
  • Medical payments coverage for hospital and funeral expenses for you or your passengers
  • Uninsured/underinsured boaters coverage for an accident with another boater who has insufficient or no boat insurance
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What Affects Boat Insurance Rates in Louisiana

Louisiana boat insurance rates vary based on a variety of factors, including the following:

  • The type, size and age of the boat
  • The size/horsepower of the motor
  • Your use of the boat, i.e., whether you will be using your boat on inland waters or the open sea
  • The amount of coverage you purchase and the policy options you choose

You may be eligible for certain discounts on your Louisiana boat insurance policy. Some insurers offer a layup discount as well as a discount for successfully completing a boating safety course. What’s more, you will likely be eligible for a discount if you bundle your Louisiana boat insurance policy with your home and auto insurance. 

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What Types of Boats Can Be Insured?

Just about any kind of boat, vessel or personal watercraft can be insured with a Louisiana boat insurance policy. Every type of boat has the potential to be stolen, damaged, or involved in an incident that results in harm to another person or another person’s property. Even if your boat is docked or stored in your garage, it can be vandalized, damaged in a fire or storm, or stolen.

Be aware that Louisiana boat insurance does not always extend to canoes, rafts or kayaks. These smaller vessels may or may not be covered by your homeowners insurance policy. It is therefore prudent to discuss coverage for these types of watercraft with an insurance professional.

If you have a fleet of kayaks, rafts or canoes that you use for business purposes, you will need to consider a commercial boat insurance policy, as this will be required under Louisiana state law.

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Find the Best Louisiana Boat Insurance Today

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An independent Trusted Choice® agent can help you find the best Louisiana boat insurance for your needs. Your agent can get quotes from multiple insurance companies to make sure you get the best coverage at the right price. And working with a local agent is the best way to get knowledgeable, superior service from someone who understands the needs of boat owners in your community. 

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Find the Best Boat Insurance in Your City

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New Orleans
Baton Rouge
Lafayette
Lake Charles

Kenner
Houma
New Iberia
Slidell

Central
Sulphur
Hammond
Gretna

Thibodaux
Crowley
Baker
Mandeville

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New Orleans

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Louisiana is known as the Sportsman’s Paradise for good reason. In New Orleans, boaters can enjoy the water year-round, from Lake Pontchartrain and Lake Borgne to the Mississippi River and the Gulf of Mexico — and all the lush bayous and marshlands in between. And New Orleans is an international seaport with direct water connections to half of the United States. 

Boat insurance is essential if you own a boat in New Orleans. If you plan to use your boat in the Gulf or other coastal waters, be prepared to pay more for your Louisiana boat insurance. And be sure to tell your insurance company. An inland boat insurance policy likely won’t provide coverage while using your boat in coastal waters. 

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Where Do You Store Your Boat?

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Whether your boat is docked at a marina or stowed in storage for the winter, you need to protect your investment. Boats are often damaged by theft, vandalism or stormy weather while docked. And even while in storage, fires, theft and other kinds of damage can occur. No matter what time of year, be sure to keep your boat protected by purchasing boat insurance. 

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Storage Facilities in New Orleans

16

Marinas in New Orleans

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Common Boat Insurance Claim in New Orleans

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HITTING AN UNDERWATER OBJECT

If you have comprehensive coverage, your Louisiana boat insurance policy will reimburse you (up to the policy limits) for damage to your boat if you hit a rock, log or some other marine obstacle while out on the water. After you file a claim, your insurance company will determine whether you are covered and may help you arrange for repairs or replacement of your boat. 

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Baton Rouge

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Baton Rouge is on the east side of the Mississippi River, about 60 miles inland from the Gulf of Mexico, in southeastern Louisiana. It is not a coastal city, but it borders the Mississippi, and many smaller inland rivers and lakes dot the landscape.

If you plan to use your boat on the coastal waters of the Gulf, be aware that you may pay more for your boat insurance. If you stay close to home on inland bodies of water, your boat insurance rates may be lower. 

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Where Do You Store Your Boat?

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Marinas and storage facilities can be just as dangerous for your boat as the open water. You may think your boat is safe while docked, but it can be damaged easily by theft, vandalism or the weather. What’s more, boats can be damaged by fire or theft while in storage. With comprehensive coverage included in your Louisiana boat insurance policy, you can be sure you are covered when you are not using your boat. 

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Storage Facilities in Baton Rouge

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Marinas in Baton Rouge

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Common Boat Insurance Claim in Baton Rouge

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STORM DAMAGE

If your boat is damaged by a storm while it is docked at a marina, your comprehensive coverage will pay the claim (up to the limits of the policy) for damage. After you file a claim, your insurance company will confirm or deny coverage and may even help you repair or replace your boat. 

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Lafayette

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The Vermilion River runs through the center of Lafayette. Other significant waterways in the city include Isaac Verot Coulee, Coulee Mine, Coulee des Poches and Coulee Ile Des Cannes. These are natural drainage canals that lead to the Vermilion River. 

Lafayette boat owners will have lower insurance rates if they stay close to home and boat only on inland lakes or rivers. If you plan to use your boat on coastal waters, be sure to discuss it with your insurance agent. Your policy and your rates will differ from a policy for inland boat insurance. 

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Where Do You Store Your Boat?

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If you think your boat is safe at the dock or in storage, don’t be fooled. Your boat is just as susceptible to theft, vandalism and other damage while at a marina or storage facility. To protect your boat all year long, be sure to include comprehensive coverage with your boat insurance policy. It covers your boat if it is damaged by fire, weather, theft or vandalism no matter where it is. 

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Storage Facilities in Lafayette

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Marina in Lafayette

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Common Boat Insurance Claim in Lafayette

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COLLISION WITH ANOTHER BOAT

You need boat collision coverage to reimburse you for damage to your boat if you collide with another boat. What’s more, you need bodily injury liability and property damage liability coverage to help pay for injury to others or damage to others’ property if you are at fault for the accident. If you collide with another boat, be sure to promptly inform your insurance company to file the claim. 

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Lake Charles

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Lake Charles is located on the banks of the Calcasieu River in southwestern Louisiana, bordering both Lake Charles and Prien Lake. This port city is about 30 miles from the Gulf of Mexico.

Inland boaters in Lake Charles should expect to pay less for Louisiana boat insurance than boaters who plan to explore coastal waters. Because coastal waters are considered more dangerous than inland waters, insurance rates are higher. What’s more, your inland boat insurance policy likely won’t offer coverage if you set sail in coastal waters. 

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Where Do You Store Your Boat?

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Storage of any kind can be just as dangerous for your boat as being out on the water. All kinds of damage can occur due to storms, theft, vandalism and fire. To protect your investment, be sure to carry comprehensive coverage on your boat year-round. 

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Storage Facilities in Lake Charles

3

Marinas in Lake Charles

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Common Boat Insurance Claim in Lake Charles

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BOAT THEFT WHILE IN STORAGE

If you keep comprehensive coverage on your boat while it is in storage, you will be covered for theft. Be sure to report the theft and file the claim immediately so your insurance company can help reimburse you for your loss or replace your boat.

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Kenner

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Kenner is located on the west side of New Orleans. Lake Pontchartrain borders Kenner on the north, and the Mississippi borders it on the south. Kenner boaters are in close proximity to the Gulf of Mexico. Boaters who set sail on coastal waters, like the Gulf, will pay more for boat insurance than those who limit their boating excursions to inland bodies of water. 

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Where Do You Store Your Boat?

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Wherever you store your boat — docked at a marina or safely stowed in a storage facility — you need comprehensive coverage to protect your boat year-round from fire, theft, vandalism and storm damage. If your boat is damaged while in storage, assess the situation and file a claim immediately so you can be sure to repair or replace your boat as soon as possible. 

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Storage Facilities in Kenner

2

Marinas in Kenner

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Common Boat Insurance Claim in Kenner

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BOAT THEFT WHILE ANCHORED

If your boat is stolen while it is anchored or docked, your comprehensive coverage will respond. Most boaters should keep comprehensive coverage on their boat year-round to ensure they have protection from theft. 

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Houma

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While Houma is not directly on the coast, Houma boaters are in close proximity to the Gulf of Mexico as well as the numerous lakes, rivers, bayous and marshes that dot the Louisiana landscape. With year-round boating a highlight of the Sportsman’s Paradise, Houma boat owners can expect somewhat lower insurance rates if they steer clear of coastal waters. 

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Where Do You Store Your Boat?

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Whether you store your boat at a marina year-round or tuck it away in a winter storage facility, your boat can be damaged by weather, fire or vandalism. And boat theft is common no matter where you keep your boat. Be sure to keep comprehensive coverage on your boat to protect your investment at all times. 

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Storage Facilities in Houma

4

Marinas in Houma

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Common Boat Insurance Claim in Houma

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STORM DAMAGE

If your boat is damaged by a severe storm, your Louisiana boat insurance policy will reimburse you for the damage if you have comprehensive coverage; otherwise, your insurance company will deny your claim. 

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New Iberia

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New Iberia residents have access to numerous inland lakes, rivers, marshes and bayous, including Lake Peigneur, a 1300-foot-deep salt water lake. Boaters on inland lakes may be able to purchase less expensive boat insurance than those who set sail on the nearby Gulf of Mexico. 

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Where Do You Store Your Boat?

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Whether your boat is docked at a marina or stowed in storage for the winter, you need to protect your investment. Boats are often damaged by theft, vandalism or stormy weather while docked. And even while in storage, fires, theft and other kinds of damage can occur. No matter the time of year, be sure to keep your boat protected by keeping it properly covered. 

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Storage Facility in New Iberia

1

Marina in New Iberia

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Common Boat Insurance Claim in New Iberia

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COLLISION WITH ANOTHER BOAT

Collision coverage reimburses you for damage to your boat if you collide with another boat. If the accident is your fault and someone is injured, your bodily injury liability coverage will respond. Likewise, your property damage liability coverage will help pay for damage to the other boat. Promptly report any accidents to the authorities and your insurance company. 

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Slidell

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Slidell is approximately 3 miles from the north shore of Lake Pontchartrain and is in close proximity to the Gulf of Mexico. Boaters who enjoy their watercraft on inland waters will also enjoy the benefit of paying less for boat insurance. Be prepared to pay more for your Louisiana boat insurance if you plan to enjoy the Gulf or other coastal waterways. 

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Where Do You Store Your Boat?

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Storage of any kind can be as dangerous for your boat as a day on the water. Your boat can be stolen or damaged by vandalism, fire or storms while your boat is docked or in a storage facility. To protect your investment, be sure to carry comprehensive coverage on your boat year-round. 

9

Storage Facilities in Slidell

8

Marinas in Slidell

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Common Boat Insurance Claim in Slidell

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BOAT THEFT WHILE IN STORAGE

If you keep comprehensive coverage on your boat while it is in storage, you will be covered for theft. Be sure to report the theft and file the claim immediately so your insurance company can help reimburse you for your loss or replace your boat.

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Central

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Central is an inland city in close proximity to the many lakes, rivers, marshes and bayous that Louisiana has to offer. Inland boating is exciting and available year-round in Central. And boaters who stay on inland waters may experience lower boat insurance rates that those who venture out on the Gulf of Mexico or other coastal waterways. 

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Where Do You Store Your Boat?

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Boats are just as susceptible to theft, vandalism and other damage whether at a marina or stowed in storage. To protect your boat all year long, be sure to include comprehensive coverage with your boat insurance policy. It covers your boat if it is damaged by fire, weather, theft or vandalism no matter where it is. 

1

Storage Facility in Central

1

Marina in Central

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Common Boat Insurance Claim in Central

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HITTING AN UNDERWATER OBJECT

If you have comprehensive coverage, your Louisiana boat insurance policy will reimburse you (up to the policy limits) for damage to your boat if you hit rocks, logs or other marine obstacles while out on the water. After you file a claim, your insurance company will determine whether you are covered and may help you arrange for repairs or replacement of your boat. 

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Sulphur

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Sulphur is an inland community on the Texas-Louisiana border. It is in close proximity to many inland lakes and rivers, as well as the Gulf of Mexico. If you want to keep your Louisiana boat insurance rates down, consider boating only on inland waters near Sulphur. Venturing out into coastal waters with your boat will increase your boat insurance rates.  

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Where Do You Store Your Boat?

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Whether your boat is docked at a marina or stowed in storage for the winter, you need to protect your investment. Boats are often damaged by theft, vandalism or stormy weather while docked. And even while in storage, fires, theft and other kinds of damage can occur. No matter the time of year, be sure to keep your boat protected with Louisiana boat insurance. 

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Storage Facilities in Sulphur

1

Marina in Sulphur

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Common Boat Insurance Claim in Sulphur

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STORM DAMAGE

Louisiana boat insurance will reimburse you for storm damage if you have comprehensive coverage. Without year-round comprehensive coverage, storm damage to your boat will not be covered and you must pay for repairs out-of-pocket.

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Hammond

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Hammond is an inland community in close proximity to many inland lakes and rivers, as well as the Gulf of Mexico. Whether you use your boat on inland lakes or venture into coastal waters will play a huge role in what you pay for your Louisiana boat insurance. Expect to pay more for boat insurance if you plan to set sail on the Gulf or other coastal waterways.   

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Where Do You Store Your Boat?

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Whether you store your boat at a marina year-round or tuck it away in a winter storage facility, your boat can be damaged by weather, fire or vandalism. And boat theft is common no matter where you dock your boat. To protect your investment at all times, include comprehensive coverage in your Louisiana boat insurance policy. 

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Storage Facilities in Hammond

2

Marinas in Hammond

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Common Boat Insurance Claim in Hammond

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BOAT THEFT WHILE ANCHORED

If your boat is stolen while it is anchored or docked, your comprehensive coverage will respond. Most boaters should keep comprehensive coverage on their boat year-round to ensure they have protection from theft. 

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Gretna

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Gretna is on the west bank of the Mississippi River, just across the river from New Orleans. It is part of the New Orleans metro area. Boating is a year-round activity for Gretna residents, with Gretna being in close proximity to the Mississippi, Lake Pontchartrain and the Gulf of Mexico. To keep Louisiana boat insurance rates down, Gretna residents should avoid sailing in the coastal waters of the Gulf. Boaters who remain in inland waters generally pay less for boat insurance. 

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Where Do You Store Your Boat?

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Wherever you store your boat — docked at a marina or safely stowed in a storage facility — you need comprehensive coverage to protect your boat year-round from fire, theft, vandalism and storm damage. If your boat is damaged while in storage, assess the situation and file a claim immediately so you can be sure to repair or replace your boat as soon as possible. 

6

Storage Facilities in Gretna

1

Marina in Gretna

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Common Boat Insurance Claim in Gretna

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BOAT THEFT WHILE ANCHORED

If your boat is stolen while it is anchored or docked, your comprehensive coverage will respond. Most boaters should keep comprehensive coverage on their boat year-round to ensure they have protection from theft. 

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Thibodaux

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Thibodaux is a small city located on the banks of Bayou Lafourche in northwestern Lafourche Parish. It is in close proximity to many inland lakes and rivers, as well as the Gulf of Mexico.

Inland boaters in Thibodaux should expect to pay less for Louisiana boat insurance than boaters who plan to explore coastal waters. Because coastal waters are considered more dangerous than inland waters, insurance rates are higher. What’s more, an inland boat insurance policy likely won’t offer coverage for boaters who set sail in coastal waters. 

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Where Do You Store Your Boat?

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Whether your boat is docked at a marina or stowed in storage for the winter, you need to protect your investment. Boats can be damaged by theft, vandalism or stormy weather while docked. And fires, theft and other kinds of damage can occur in a storage facility. No matter where you store your boat, be sure to keep your boat protected with boat insurance. 

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Storage Facilities in Thibodaux

2

Marinas in Thibodaux

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Common Boat Insurance Claim in Thibodaux

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HITTING AN UNDERWATER OBJECT

The comprehensive coverage portion of your Louisiana boat insurance policy will reimburse you (up to the policy limits) for damage to your boat if you hit rocks, logs or other marine obstacles while out on the water. Be sure to file a claim promptly because your insurance company will determine whether you are covered and may help you arrange for repairs or replacement of your boat. 

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Crowley

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Crowley is an inland city in close proximity to the many lakes, rivers, marshes and bayous that Louisiana has to offer. Inland boating is exciting and available year-round in Crowley. 

Boaters in Crowley should expect to pay less for Louisiana boat insurance than boaters who plan to explore coastal waters. Because coastal waters are considered more dangerous than inland waters, insurance rates are higher. What’s more, an inland boat insurance policy likely won’t offer coverage for boaters who set sail in coastal waters. 

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Where Do You Store Your Boat?

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Storage of any kind can be as dangerous for your boat as a day on the water. Damage from theft, vandalism, storms and fire can occur while your boat is docked at a marina or stowed in a storage facility. To protect your investment, be sure to carry comprehensive coverage on your boat even during your layup period. 

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Storage Facility in Crowley

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Marina in Crowley

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Common Boat Insurance Claim in Crowley

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COLLISION WITH ANOTHER BOAT

Collision coverage reimburses you for damage to your boat if you collide with another boat. If the accident is your fault and someone is injured, your bodily injury liability coverage will pay for the related expenses. Likewise, your property damage liability coverage will help pay for damage to the other boat. Always promptly report any accidents to the authorities and your insurance company. 

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Baker

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Baker is part of the Baton Rouge geographical area, which borders the Mississippi River, and there are many smaller inland rivers and lakes nearby.

If you plan to use your boat on the coastal waters of the Gulf, be aware that you may pay more for your boat insurance. If you stay close to home, your boat insurance rates may be lower. Boating in coastal waters is considered by insurance companies to be more dangerous, leading to higher insurance costs. 

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Where Do You Store Your Boat?

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Wherever you store your boat — docked at a marina or safely stowed in a storage facility — you need comprehensive coverage to protect your boat year-round from fire, theft, vandalism and storm damage. If your boat is damaged while in storage, assess the situation and file a claim immediately so you can be sure to repair or replace your boat as soon as possible. 

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Storage Facilities in Baker

1

Marina in Baker

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Common Boat Insurance Claim in Baker

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STORM DAMAGE

If your boat sustains storm damage, your Louisiana boat insurance policy will reimburse you for the damage if you have comprehensive coverage. Your claim may otherwise be denied.

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Mandeville

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Mandeville is located on the north shore of Lake Pontchartrain, across the lake from New Orleans. In Mandeville, boaters can enjoy the water year-round, making boat insurance essential if you own a boat.

If you plan to use your boat in the Gulf or other coastal waters, be prepared to pay more for your Louisiana boat insurance. And be sure to tell your insurance company. An inland boat insurance policy likely won’t provide coverage while using your boat in coastal waters.  

Where Do You Store Your Boat?

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Marinas and storage facilities can be just as dangerous for your boat as the open water. You may think your boat is safe while docked, but it can easily be damaged by theft, vandalism or the weather. What’s more, boats can be damaged by fire or theft while in storage. With comprehensive coverage included in your Louisiana boat insurance policy, you can be sure you are covered when you are not using your boat.  

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Storage Facilities in Baker

3

Marina in Baker

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Common Boat Insurance Claim in Baker

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BOAT THEFT WHILE IN STORAGE

Comprehensive coverage protects your boat while it is in storage. It reimburses you for a variety of losses, including theft. Be sure to report the theft and file the claim immediately so your insurance company can cover your loss and or help you replace your boat.

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