Arizona Boat Insurance

Find the Best Boat Insurance Rates & Companies in Arizona

From fishing trips on Roosevelt Lake to water skiing on the Colorado River, boat owners in Arizona have plenty of places to enjoy their watercraft. But it's critical to ensure your recreational trips aren't ruined due to financial losses caused by many disasters, such as boating collisions. Having the right boat insurance policy can help you get the reimbursement you need should something happen.

Luckily, an Arizona independent insurance agent can help you get set up with all the boat insurance you need. These agents make shopping and comparing policies and rates easy by doing all the hard work for you. But until then, here's a breakdown of Arizona boat insurance requirements and more.

Best Boat Insurance Companies in Arizona

Time to get the best boat insurance in Arizona for your vessel? Then, it's helpful to know exactly where to start looking. Here are just a few of our top picks for the best boat insurance companies in Arizona.

1. Progressive: This carrier offers boat insurance and many other types of personal and business insurance. Progressive has 24/7/365 customer service and a superior financial strength rating from AM Best.
2. Nationwide: This carrier offers boat insurance and several other kinds of personal and business insurance. Nationwide has great ratings from both AM Best and the Better Business Bureau (BBB) and offers 24/7 claims reporting.
3. Travelers: This carrier offers boat insurance and several other kinds of personal and business insurance. Travelers also has great AM Best and BBB ratings and many discounts.

An independent insurance agent in Arizona can help you compare quotes and coverage options from these outstanding boat insurance carriers and others in your area.

What Boat Insurance in Arizona Can Cover

Boat insurance policies can be customized as you desire. You'll likely select your coverage by reviewing a long list of available options. In Arizona, you can choose from the following types of boat insurance:

• Boating liability insurance: This is designed to cover your portion of expenses if you're at fault for a boating accident that results in third-party injuries or property damage.
• Collision insurance: Pays for damage to your boat from a collision with another object, regardless of fault. 
• Comprehensive insurance: Pays for damage to your boat due to a non-collision event such as a flood or theft. 
• Equipment insurance: This is an optional policy endorsement designed to cover loss or damage to the equipment you keep on your boat, such as fishing gear, GPS devices, and towables.
• Uninsured/underinsured boaters insurance: This covers the costs of damage to your boat, your medical expenses, etc., if you're involved in a boating collision with another boater who doesn't carry enough boat insurance of their own to reimburse you.
• Medical payments insurance: This optional coverage is designed to pay for any medical expenses you and your passengers may incur due to a boating accident, regardless of fault.
• Fuel spill/wreckage cleanup coverage: This insurance coverage can provide you with the funds and resources necessary to clean up wreckage if you're responsible for a boating accident since local ordinances require you to remove wrecked vessels from the water and clean up any pollutants left behind. 

Your local independent insurance agent can help you build a boat insurance policy that includes each type of protection you need most.

Is Boat Insurance Required in Arizona?

Unlike car insurance, boat insurance is not required by the state of Arizona, so you don't need to have coverage to register your boat. However, it's possible you'll be required to show proof of coverage to dock your boat at certain marinas. Further, you might be required by your lender to get boat insurance if you finance your boat.

Regardless of whether coverage is required, if you own a boat, you may still want to seriously consider purchasing boat insurance. Your policy can not only cover the investment you made in your vessel but can also protect you against potentially expensive lawsuits after a collision. Without boat insurance, these out-of-pocket costs could be devastating.

What Boat Insurance in Arizona Will Not Cover

As with any type of insurance, boat insurance has its limitations. Some things that you should not expect your boat insurance to cover include:

• Normal wear and tear of the boat
• Insect and animal infestations
• Mold damage
• Damage caused by marine life
• Faulty machinery
• Accidents caused by unnamed operators
• Accessories like lifeboats, anchors, and modifications (unless you purchased endorsements) 

Be sure to review your specific boat insurance policy to be aware of the exact coverage exclusions listed.

Average Cost of Boat Insurance in Arizona

The average cost of a boat insurance policy in Arizona is about $344 per year. However, the cost of your boat insurance can vary based on many factors, including:

• The type of boat you insure
• The boat's length and the size of its engine
• Where the boat will be stored when not in use (e.g., at your home in a structure, at your home outside, at a marina, etc.)
• Your driving record and claims history, both on and off the water
• The amount and types of coverage selected
• The policy's deductible amount

An independent insurance agent can help you find the best rates for boat insurance in your city.

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What Boat Insurance Discounts Are Available in Arizona?

Boat insurance typically isn't the most expensive type of coverage, but it can still be helpful to save money where you can. These boat insurance discounts may be available from many carriers in Arizona:

• Lay-up discounts: This discount is typically available if you only use your boat during summer.
• Affiliation discounts: Having an affiliation with a certain company or group can sometimes help you earn boat insurance discounts.
• Boater safety course discounts: Completing an approved boater safety course can often earn you big discounts on boat insurance.
• Bundling discounts: If you bundle your boat insurance with other coverage, like home insurance or auto insurance, through the same insurance company, you can often earn a discount on each policy.
• Security discounts: Many boat insurance companies reward boaters who protect their vessels against theft, etc., with security devices.
• Loyalty discounts: Staying with the same boat insurance company for several years can earn you a discount over time.

Your Arizona independent insurance agent will apply any boat insurance discounts you qualify for to your policy when you shop for coverage.

Popular Questions about Arizona Boat Insurance