Boat Insurance FAQs

Before you hit the water, hit us up. From speedboats to pontoons, we’ll help protect your investment, so you can focus on having a good time. For smooth sailing, you can depend on Della.

A wooden boat docked at a marina, with fenders hanging over the side and reflections visible in the calm water. In the background, multiple boats are moored.

Very! It protects your investment and covers you if an accident causes damage or injuries. Without it, one mishap could “sink” your finances.

It usually covers damage to your boat, liability for accidents, medical payments, and theft. Many policies also include options for equipment and personal items onboard.

It can pay for repairs, salvage, cleanup, and liability costs. The right policy helps you handle emergencies without huge out-of-pocket bills.

At least enough liability to protect your assets. We’ll help you tailor your policy to your boat’s value and your needs.

It depends on the boat’s size, type, use, and where it’s stored. Most policies are more affordable than people expect. Many recreational boaters pay a few hundred dollars per year. High-value or high-speed boats will cost more.

The boat’s make, model, year, value, and where it will be stored or used. We’ll also ask about safety equipment and your boating experience.

Both are usually offered as an add-on. Towing covers on-water assistance if your boat breaks down. Roadside assistance helps if your trailer or tow vehicle has trouble getting you to the water.

Most U.S. policies don’t automatically cover international waters, so if you’re looking to travel far, you’ll likely need a cruising extension.