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BOAT INSURANCE · GEORGIA

Georgia boat insurance that actually covers how and where you use the boat.

A 19-foot bowrider on Lake Lanier and a 35-foot cruiser on the Intracoastal Waterway are different risks. We place boat insurance on specialty marine carriers that write watercraft as their core business, not as an afterthought add-on to a homeowners policy.

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WHAT'S COVERED

What a Georgia boat policy covers

Hull and Machinery

Covers the boat against collision, grounding, theft, and weather. Agreed value is the right option, not actual cash value.

Liability and Medical

Pays for injuries and property damage caused by the boat. Carry $500k to $1M for anything over 20 feet or with passengers.

Uninsured Boater

Pays for injuries caused by an at-fault boater with no insurance, which is alarmingly common on inland and coastal waters.

Fuel Spill and Wreck Removal

Covers federally-mandated fuel spill cleanup and wreck removal. Both are expensive and often excluded on generic policies.

Hull and Machinery

Covers the boat against collision, grounding, theft, and weather. Agreed value is the right option, not actual cash value.

Liability and Medical

Pays for injuries and property damage caused by the boat. Carry $500k to $1M for anything over 20 feet or with passengers.

Uninsured Boater

Pays for injuries caused by an at-fault boater with no insurance, which is alarmingly common on inland and coastal waters.

Fuel Spill and Wreck Removal

Covers federally-mandated fuel spill cleanup and wreck removal. Both are expensive and often excluded on generic policies.

IMPORTANT LIMITATIONS

What boat insurance does not cover

Navigation outside the schedule

Most policies restrict navigation to specific waters (inland lakes, coastal, blue water). Operating outside the schedule voids coverage at claim time. If you trailer to a new lake or head offshore, the policy needs to know.

Wear, corrosion, marine growth

Gradual deterioration is always excluded. Osmotic blistering, electrolysis, and bottom growth are owner maintenance issues.

Racing and competition

Standard policies exclude racing. Specialty racing coverage is a separate product.

Commercial and charter use

Any paid charter, fishing guide work, or commercial use requires a commercial marine policy. A personal boat policy with any paid use will be denied at claim.

IMPORTANT LIMITATIONS

What boat insurance does not cover

Navigation outside the schedule

Most policies restrict navigation to specific waters (inland lakes, coastal, blue water). Operating outside the schedule voids coverage at claim time. If you trailer to a new lake or head offshore, the policy needs to know.

Wear, corrosion, marine growth

Gradual deterioration is always excluded. Osmotic blistering, electrolysis, and bottom growth are owner maintenance issues.

Racing and competition

Standard policies exclude racing. Specialty racing coverage is a separate product.

Commercial and charter use

Any paid charter, fishing guide work, or commercial use requires a commercial marine policy. A personal boat policy with any paid use will be denied at claim.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Send us the boat details and where you use it. We will quote marine specialists.

Year, make, model, length, engine, hull material, storage, and primary navigation water. We will quote Progressive, Nationwide, Travelers, and specialty carriers like Geico Marine and Markel.

Roughly $300 to $1,500 per year for most recreational boats

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