SkiSafe boat and jet ski insurance
SkiSafe offers online coverage for boats and jet skis, with policies issued by AXIS Insurance Company.
- Market guide, by state group
- $307 to $663Progressive's 2024 to 2025 averages for low-cost and high-cost states, not a SkiSafe price
- Policy issued by
- AXIS Insurance CompanyHow to buy: online
- Payout after a loss
- Choice of agreed value or actual cash value
- On-water towing
- Optional towing and roadside help
- Financial strength (A.M. Best)
- A+ XV (AXIS)
From SkiSafe's own boat insurance pages (skisafe.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.
You can get a price online, and what you pay depends on the coverage you pick and the discounts you qualify for.
Who backs SkiSafe insurance?
In SkiSafe's FAQ, AXIS Insurance Company is named as the carrier behind the policies. A.M. Best reviews insurers and grades their financial ability to pay claims. SkiSafe says A.M. Best assigns AXIS an A+, Class XV grade.
You can buy a policy without joining a club or group, according to SkiSafe.
What can a SkiSafe policy include?
SkiSafe's home page highlights these common choices and add-ons:
- Towing and roadside assistance
- Agreed value protection
- "All Risks" protection for fire, theft, and collision
- Defense costs with no set cap if you are sued
- Haul-out help before a hurricane
- Marinas added as additional insureds
- Protection for tenders and dinghies
Water sports liability comes built in, and medical payments are included whoever was at fault.
Agreed value versus actual cash value
These options matter if your boat is declared a total loss, because they set how the payout is figured. With agreed value, you and the insurer fix a set dollar amount when the policy begins, and the boat is insured for that amount. With actual cash value, the payout reflects what the boat was worth at the time of loss, after age and wear are counted.
| Payout type | How the amount is set |
|---|---|
| Agreed value | A fixed dollar figure stated in the policy |
| Actual cash value | Current market price after depreciation |
The company explains both and includes agreed value among its popular add-ons.
Ways to lower your price
SkiSafe names these savings:
- Finishing a boating safety course
- A clean record behind the wheel
- Staying within set cruising waters
- Covering more than one craft
- A winter storage lay-up
- Time spent boating
The cruising-area credit is tied to staying in protected waters. SkiSafe gives examples such as the Chesapeake Bay and Long Island Sound. If you store your boat over winter, you can pay less for those months, and it stays covered for fire and theft while it's laid up.
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 SkiSafe 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
Getting a quote from SkiSafe
SkiSafe provides an online quoting process. Some boats need extra information before a quote can be given. A survey is a marine surveyor's written report on the boat's condition. According to its FAQ, SkiSafe asks for a recent survey when a boat is over 36 feet long or is an older boat.
Making a claim
Claims can be sent in whichever way suits you best: online, by phone, or through an agent. After that, SkiSafe assigns an adjuster to handle the claim, and you may bring the boat to any repair facility you prefer, SkiSafe says.
SkiSafe insurance review: strong points and limits
The strong points are clear: coverage is backed by a carrier with a top rating from A.M. Best, and water sports liability comes standard with no extra steps. You can also select agreed value, use the repair shop you want, and choose extras like towing, hurricane haul-out, and tender cover.
There are a few limits to know before you apply. Every policy runs for a full year, and bigger or older boats must have a recent survey beforehand.
Common questions
Is SkiSafe a reputable company?
According to SkiSafe, it has covered more than 500,000 boaters and has operated for nearly 50 years, and its policies are backed by a highly rated carrier.
Compare SkiSafe with
| Insurer | Policy issued by | How to buy | Payout after a loss | Towing on the water | Boats it names |
|---|---|---|---|---|---|
| SkiSafe | AXIS Insurance Company | Online | Choice of agreed value or actual cash value | Optional towing and roadside help | Survey required over 36 ft or for older boats |
 BoatUS | GEICO Marine | BoatUS, in all 50 states and DC | Agreed hull value (except PWC) or actual cash value | TowBoatUS add-on starting at $3 a month | Most boats qualify; liability-only for boats with no lien |
 Markel | Markel American | Online, by phone or an agent | Agreed value; actual cash value available on yachts | Emergency towing offered | Boats to 26 ft; yacht policy for over 26 ft, houseboats |
 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 SkiSafe.