Ohio Boat Insurance

Find the right boat insurance policy for you.


According to the Department of Natural Resources, Ohio has 50,000 lakes and small ponds throughout the state, and over 2,000 include at least 5 acres of water surface. Needless to say, watersport is a pastime for many residents and while being on the water is a recipe for fun, it can turn dangerous very quickly. That’s why it’s important to put safety first and utilize all safety measures. 

You can also keep your finances safe by purchasing Ohio boat insurance. Consider working with an independent insurance agent in our network. An independent agent can compare coverage and rates from many insurance companies, to find the one you need. Contact a local agent today to get Ohio boat insurance quotes tailored to your budget.

Biggest Lakes in OH

  • Lake Erie has over 200 miles of coastline and touches the shores of Cleveland and Toledo.
  • Grand Lake St. Marys has 13,500 acres and is one of the oldest state parks in the state.
  • Mosquito Creek Lake, located north of Youngstown, is the second largest lake in Ohio.
  • Aurora Pond is the largest natural lake with 345 acres of water.

Do I Need Ohio Boat Insurance?

Ohio doesn’t require boat owners to purchase insurance, but it’s probably a good idea. Boats are a financial investment and without insurance, all repairs will come out of pocket. Insurance helps protect your investment and saves you money at the same time. Another important issue that can’t be overlooked is boating accidents. Rates spike during the summer when water activity is at its highest, and a severe accident can be devastating, especially if a claim is filed against you. Even if everyone on the boat is safe, it can be expensive to repair or replace your boat. If individuals are hurt, your liability policy will help take care of medical expenses.


Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

What Are My Coverage Options?

Although you have the ability to personalize your Ohio boat insurance coverage, it’s important to understand what each individual option provides. If you have a houseboat, you will need much more coverage than someone who occasionally takes out a fishing boat or bass boat. When you work with an independent agent, you’ll likely end up with the two main forms of boat insurance:

  • Liability: If you cause an accident, this portion of your coverage will help cover any claims associated with bodily injuries and property damage stemming from the accident. Victims can make claims against your insurance policy, but if damages are severe enough, you could face a lawsuit. In that case, your liability policy will provide legal defense and could pay your settlement if convicted, but only up to your coverage amount. Ask your independent agent how much coverage is necessary.
  • Comprehensive/collision: If you get into an accident or a storm damages your boat, this policy helps make repairs or replaces your boat. There are three ways to determine your boat’s value: -Actual cash value -Agreed value -Total loss replacement/purchase price.

You can also get a variety of specialized boat insurance options, such as:

  • Wreckage removal: If your boat sinks to the bottom of a lake or river, you are responsible for the clean-up. Wreckage removal coverage pays to recover your wrecked boat.
  • Towing and emergency assistance: If your boat is dead on the water, a tow can cost quite a bit more than a car towing service. This coverage pays for assistance you need when the unexpected happens.
  • Fuel spill clean-up: If your boat has an oil spill on the water, the bill can reach the tens of thousands. This coverage reimburses you for clean-up costs.
  • Equipment coverage: If you keep special fishing or towing or waterskiing equipment on your boat, you may need equipment coverage to protect you from loss.
  • Commercial fishing coverage: Commercial fishing vessels require a business policy, and their own special category of boat coverage, because of the expensive equipment on board, the heightened liability risks, and the higher risk of injury. A local agent can help you find the right commercial fishing coverage for your vessel.

Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

Where Do I Find Ohio Boat Insurance?

Many different insurance companies will offer boat insurance, but our network has member agents right in your area. These independent agents understand your regional risks because they assist local customers every single day. This enables your independent agent to truly personalize your Ohio boat insurance to your needs. Independent agents can compare multiple Ohio boat insurance quotes and policies to find the one that works for you. 

To get the information you need, contact an agent.

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