Sailboat Insurance
Coverage for sailing vessels of all sizes.
Typical cost: $300 – $2,000+ per year
Sailboat Insurance
Sailboat insurance covers vessels propelled primarily by wind, from small day-sailors to offshore cruising yachts. Coverage considerations include navigation area, whether you live aboard, racing participation, and charter use.
Agreed Value vs. Actual Cash Value
Most sailboat policies offer agreed value coverage—you and the insurer agree on the boat's value upfront. If totaled, you receive the agreed amount. This is preferable to actual cash value, which deducts depreciation.
What's covered
Hull Coverage
Covers physical damage to the sailboat structure and equipment.
Liability Coverage
Protects against injuries and damage you cause to others.
Equipment Coverage
Covers sails, rigging, electronics, and onboard equipment.
Medical Payments
Covers medical costs for you and passengers.
Uninsured Boater
Protection from uninsured boat operators.
Tips
- • Get agreed value coverage rather than actual cash value
- • Specify your exact navigation area—restrictions reduce premiums
- • Disclose liveaboard status if you sleep aboard regularly
- • Racing requires additional coverage in most policies
- • Complete a sailing safety course for discounts
Other boat insurance types
Pontoon Boat Insurance
Insurance for pontoon boats and leisure craft.
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.
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