Nationwide boat insurance
From pontoons and sailboats to fishing, ski, and surf boats, Nationwide boat insurance covers recreational boats worth as much as $350,000.
- Market guide, by state group
- $307 to $663Progressive's 2024 to 2025 averages for low-cost and high-cost states, not a Nationwide price
- Policy issued by
- Nationwide Mutual and affiliatesHow to buy: agents or by phone
- Payout after a loss
- Ask the agent which basis applies
- On-water towing
- On-water towing and labor, optional
- Financial strength (A.M. Best)
- A (Excellent)
From Nationwide's own boat insurance pages (nationwide.com).
Your boat's yearly range across insurers, in three taps
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What kind of boat?
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What you paid, or what boats like it sell for. A rough figure is fine.
Type the value in dollars, between $500 and $5,000,000.
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An estimate, not a quote. How we work it out
The line reaches Boat Insurance Compare. Have the boat, its value and your state ready.
Rather have it in writing? Send a quote request with the answers you just gave.
To get a quote, speak with a Nationwide agent near you or call Nationwide.
What the policy covers
The policies come from Nationwide Mutual Insurance Company and its affiliated companies. You can choose from a few types of protection.
- Liability: covers damage you cause to someone else's property, and it also takes care of pollution liability and wreck removal.
- Uninsured boater coverage: helps pay for injuries when a covered accident involves a boater who has no insurance or who leaves the scene.
- Collision and comprehensive: protects the boat itself, plus the motor, trolling motor, trailer, and boating gear, both built-in and portable.
A crash is what collision handles. Other kinds of damage to the boat and its gear fall under comprehensive.
Optional coverages and packages
Extras you can add include:
- Towing and labor while on the water
- Roadside help for your boat
- Fishing gear
- Personal belongings, covered at replacement cost
- Rental reimbursement
If your boat trailer has insurance, Roadside Assistance comes free. Rental reimbursement stays an optional pick.
Packages are also available, grouping gear limits by boater type. Take the Deep Water Pros package: it offers up to $10,000 toward fishing gear, $5,000 toward personal belongings, and $2,500 toward towing.
Jet skis and other personal watercraft
A boat policy does not include Jet Skis, WaveRunners, or Sea-Doos. Those go on their own personal watercraft policy, which carries liability, collision, and comprehensive coverage. According to Nationwide, a specialized servicing group takes care of powersports needs.
Ways to pay less
These are the discounts Nationwide lists:
- Bundling more than one policy
- Insuring multiple boats (personal watercraft don't count)
- Completing a boater safety course
- Running on diesel fuel
- Paying in full
- Renewing without claims
You qualify for the claims-free renewal discount when your prior policy term had no claims. Since we do not list discount amounts here, ask which ones apply to your boat when you request a quote.
What boats like yours cost to insure, across insurers
| Boat worth about | Pontoon, bass or ski boat | Sailboat | Jet ski |
|---|---|---|---|
| $10,000 to $25,000 | $300 to $800 | $500 to $880 | $180 to $500 |
| $25,000 to $50,000 | $380 to $800 | $500 to $1,500 | Few are worth this much |
| $50,000 to $100,000 | $750 to $1,130 | $750 to $1,500 | Few are worth this much |
A market guide for a middle-cost state, not a Nationwide price. Every boat, value and state
The same boat in low, middle and high-cost states
| Progressive cost tier | Tier average a year | A $25,000 pontoon a year | States such as |
|---|---|---|---|
| Low-cost, 17 states | $307 | $250 to $590 | Michigan, Minnesota, Wisconsin |
| Middle-cost, 17 states | $413 | $300 to $800 | Georgia, Ohio, Tennessee |
| High-cost, 16 states | $663 | $480 to $1,250 | Florida, Texas, California |
Tier averages from Progressive. Your state's tier and rules
Filing a claim
To file a boat or watercraft claim, just call Nationwide. An inspection of the boat may be set up by a claims associate.
Common questions
How strong is Nationwide financially?
On November 7, 2025, AM Best confirmed an A (Excellent) Financial Strength Rating for the members of the Nationwide P&C Group, along with a stable outlook.
What does boat insurance from Nationwide cost?
There is no price we can quote, since the cost comes down to your boat and your details. Your figure comes from a quote through a local agent or by phone, and discounts may bring it down.
How does Nationwide stack up against Progressive or Allstate?
Their coverage details are not something we have here. The clearest way to weigh them is to compare quotes using the same boat, value, and coverage choices.
Compare Nationwide with
| Insurer | Policy issued by | How to buy | Payout after a loss | Towing on the water | Boats it names |
|---|---|---|---|---|---|
| Nationwide | Nationwide Mutual and affiliates | Agents or by phone | Ask the agent which basis applies | On-water towing and labor, optional | Boats worth up to $350,000; jet skis need a separate policy |
 State Farm | State Farm Fire and Casualty | State Farm agents | Total loss paid at agreed value; repairs at replacement cost | Emergency service covered | Runabouts, cruisers, sailboats, pontoons, jet skis, houseboats |
 Allstate | Allstate | Online, by phone or a local agent | Agreed value available | Emergency services covered up to $100 | Motorboats, sailboats, pontoons and personal watercraft |
 Progressive | Progressive | Online or by phone | Partial losses paid at full replacement cost with comprehensive and collision | Sign & Glide on-water towing, optional | Up to 50 ft and $500,000; excludes houseboats, steel or wood hulls |
Ready for real numbers?
Tell us the boat, what it is worth and where you keep it.
This line reaches Boat Insurance Compare, not Nationwide.