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Boat/Watercraft Insurance

Boat/Watercraft Insurance

In Georgia, as in most states, boat coverage is optional. However, it may be required by your finance company if you are still paying off the vessel or by some marinas and harbors as a contingency for docking there. Your Structured Insurance Agency, LLC agent can help you decide what insurance you need for your boat or watercraft.

Types of Boat Insurance

Your policy can include any of the following:

  • Damage to your boat
  • Medical coverage for other people
  • Liability


Accidents do happen, no matter how careful you try to be. If you are found at fault for a boat accident in Georgia, you may be held liable for the costs. Boat liability insurance covers costs for property damage and bodily injury for an accident you cause.

Uninsured Coverage

Since boat insurance is optional in Georgia, your boat could be damaged by an uninsured boater with no liability insurance. If you have uninsured boat coverage, you don't have to worry about property damage and injuries caused by an uninsured boater.

Should you Get Boat Insurance

Boating comes with certain risks. If you would like advice on what type of insurance makes sense for your boat or watercraft, your Structured Insurance Agency, LLC agent can help. Luckily, several coverage options can help you protect your boat, including:

  • Collision Insurance covers repairs if your boat is damaged in a collision
  • Comprehensive Insurance covers non-collision-related damages. For example, if your boat is damaged in a flood, this coverage covers repairs.
  • On-water towing covers towing if you breakdowns on the water.

Medical Coverage

Boat insurance medical covers injuries from a boat crash. However, review your health insurance first, because your health insurance may already cover boat-related injuries.

Contact Us

Call your Structured Insurance Agency, LLC agent to discuss the boat insurance that may be right for you or come by our office for a quote. We can also review your current home and auto policies to make sure you have adequate coverage so that you can have a peace of mind the next time you go boating in Georgia.