Pontoon Boat Insurance
Insurance for pontoon boats and leisure craft.
Typical cost: $200 – $600 per year
Pontoon Boat Insurance
Pontoon boats are popular for their stability and social-friendly layouts. Insurance for pontoons is typically affordable due to their slower speeds, lake-only use, and lower accident rates compared to high-performance boats.
Coverage Considerations
Pontoons are often used for entertaining, so liability coverage is important. Consider coverage for aftermarket additions like upgraded sound systems, fishing equipment, and furniture.
What's covered
Hull Coverage
Covers damage to the pontoon structure and deck.
Liability Coverage
Important for entertaining—covers guest injuries.
Motor Coverage
Protects the outboard or trolling motors.
Personal Property
Covers items kept on the boat like coolers and electronics.
Trailer Coverage
Protects the trailer used to transport your pontoon.
Tips
- • Liability coverage is key for entertaining guests on board
- • Cover aftermarket additions like sound systems separately
- • Trailer coverage may be separate—confirm it's included
- • Lake-only use keeps premiums low—don't overstate navigation area
- • Store covered in winter to prevent weather damage
Other boat insurance types
Sailboat Insurance
Coverage for sailing vessels of all sizes.
Yacht Insurance
Comprehensive coverage for yachts and large vessels.
Jet Ski Insurance
Protection for personal watercraft and jet skis.
Fishing Boat Insurance
Coverage for fishing boats and equipment.
Kayak & Canoe Insurance
Affordable coverage for non-motorized watercraft.
Stay informed
Weekly insurance tips and coverage insights. No spam.