Frequently Asked Questions


What boat insurance do I need?

Boat insurance is optional in many states, including Illinois. The amount of insurance you need will vary on the type of coverage you want. At the very least, all owners should have liability insurance for their boat or personal watercraft.

What does boat insurance cover?

What your boat insurance covers depends on your policy and what coverages you selected. A basic boat insurance policy includes liability coverage.

What is full coverage boat insurance?

Full coverage is not a set type of protection but rather a combination of coverages. Typically, full coverage includes comprehensive and collision coverage but this will vary by insurance provider.

Where can I buy boat insurance?

You can buy boat insurance in-person at any of our offices, over the phone, online or through our mobile app.

How much is boat insurance a month?

The average cost of boat insurance is $429 a year, which breaks down to $35.75 a month.

Is boat insurance required in Illinois?

Boat insurance is not required in Illinois.

Which states require boat insurance?

Currently, only two states require boat insurance- Arkansas and Utah.

Do you have a watercraft insurance question that was not answered? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on watercraft insurance. Insurance coverage varies by contract.