Sailboat Insurance

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Sailboat Insurance

Taylor Watkins matches you with sailboat insurance policies that offer extensive coverage and flexibility for both local and offshore sailing. Sailboat insurance provides financial security against different potential risks that sailboat owners may encounter, such as theft, damage to the boat, and liability for accidents. It is specifically tailored to meet the distinctive requirements of sailboat owners, unlike other types of boat insurance. 

Contact us now for a quick and accurate sailboat insurance quote.


Is Sailboat Insurance Mandatory?

No, sailboat insurance is not mandatory, but some marinas or yacht clubs may require proof of insurance before allowing you to dock your boat. If you have a loan on your sailboat, the lender might also require you to have insurance.

How Much Cover Can I Get With Sailboat Insurance?

Sailboat insurance policies can include several types of coverage options such as:

    • Hull Coverage: This provides a payout to fix or replace any damage caused by accidents, storms, or other perils.
    • Liability Coverage: This covers the legal costs that may come in the case that you accidentally injure another person, or that your boat damages someone’s property.
    • Personal Property Coverage: This protects personal items that are onboard the boat including clothing, electronics, and other personal belongings.
  • Towage Coverage: If your boat needs to be towed, your insurance will cover the costs if you have towage overage.
  • Medical Payments Coverage: If you injure yourself or another passenger, this will provide a payout.

How Much Does Sailboat Insurance Cost?

Generally, the cost of sailboat insurance ranges from 1% to 2% of the boat’s value per year. However, the cost of sailboat insurance can vary depending on several factors such as:

  • The value of the boat
  • The age of the boat
  • The type of coverage
  • The owner’s sailing experience

The best way to get a quick, accurate estimate is to request a quote based on your unique needs.

How Soon Can I Get Sailboat Insurance?

The timeline for obtaining sailboat insurance will be different depending on your circumstances. If you are thinking about purchasing a new sailboat, for example, you might want to secure insurance coverage before buying the boat. In this case, you can typically apply for insurance coverage as soon as you have the necessary information about the boat, including the make, model, and year.

If you already own a sailboat and need to renew or update your insurance coverage, you will be able to get your sailboat insurance sooner. In most cases, you can obtain sailboat insurance within a few days of applying for coverage, depending on the insurance provider’s process. Some providers may require additional information or documentation before offering cover, meaning the timeframe varies.

How Do I Apply For Sailboat Insurance?

You can either search for sailboat insurance providers yourself or use a free service such as our fast, free and objective insurance quote service. Be sure to select a provider who has plenty of experience in providing coverage for sailboats and has a good reputation for customer service.

To apply for sailboat insurance, you will need to provide information about your sailboat such as the make, model, and year of the boat, as well as the value of the boat and any additional equipment or accessories you keep on board. Have this information at hand when applying. You will also need to provide personal information, such as your name, address, and contact information.

Once you have submitted all of the necessary information, you will generally receive the news within days or weeks. If your application is approved, you will be provided with a policy and a quote for coverage. Be sure to review the policy carefully and ask any questions you may have before accepting the coverage.

Are There Any Discounts Available for Sailboat Insurance?

Yes, some insurance providers may offer discounts for experienced sailboat owners who have completed sailing courses, have safety equipment installed on their boat, or have a good claims history. 

Do I Need Separate Insurance for Racing My Sailboat?

Perhaps. If you plan to race your sailboat, you may need separate insurance coverage because most standard sailboat insurance policies do not cover racing. 

Can I Insure a Sailboat That Is Under Construction or Restoration?

Yes, you can. Some insurance providers offer “builder’s risk” policies that provide coverage for the boat while it is being built or restored. These policies typically cover damage to the boat during construction, theft of materials or equipment, and liability for injuries that occur during the building process.

Why Use Taylor Watkins For Sailboat Insurance?

At Taylor Watkins, our specialist policies will help you find the perfect cover as quickly as possible. All quotes are objective, obligation-free, and tailored to suit your specific requirements. We can get your sailboat insured within a matter of days.

If you apply online or give us a call, we can provide you with a bespoke quote as soon as possible, usually within the same day. 


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