Boat insurance in Arizona

Boat Insurance

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Arizona Boat Insurance Quotes

At Mutual Point Insurance, we comparison shop boat insurance in order to find a company that’ll offer you outstanding rates without skimping on coverage. Most independent guides will tell you the best way to find great insurance is to get quotes from many different insurance companies. That can be a time consuming and energy draining process. That’s why we do it for you! Contact us or request quotes to get started now.

Boat Insurance Coverage

Watercraft Liability

Covers bodily injury and property damage you cause in an accident.


Covers physical damage your watercraft sustains in a collision with another vehicle or object.


Covers physical damage your watercraft sustains in an accident other than a collision.


Covers bodily injury you sustain in an accident with a boater that has too little or no insurance.

Medical Expenses

Covers medical expenses you or passengers sustain, without regard to fault.

On-water Towing

Covers a tow back to shore if your boat becomes disabled on the water.

Fishing Equipment

Covers fishing equipment that is lost, damaged, or stolen.

How Boat Insurance Works

Boat insurance - two women on a ski boat.

Basics of Boat Insurance

Insurance is a contract between you and the insurance company. You pay them an agreed amount, known as the premium, and they agree to pay for certain losses you experience or damages you cause.

Watercraft insurance, for example, will transfer the cost of bodily injury or property damage you cause with your boat to the company (up to the specified limits of coverage). This helps protect you from financial devastation and helps keep the community at large safe from costly accidents.

There are many coverage options available. We can help explain your options and craft a policy customized to your specifications.

Watercraft We Cover



Fishing boats

Deck boats


Cabin cruisers

Jet boats

Personal watercraft (PWCs)

And more

Boat Insurance Questions

Is watercraft insurance required in Arizona?

No. According to the US Coast Guard, liability coverage is not mandated for boaters in the state of Arizona. While not required by law, you may be required by your lender if you have a loan on your boat. It’s always a good idea to explore coverage options. You might be surprised how affordable a policy can be.

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