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BoatUS Boat Insurance Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
23 Customer Comments & Reviews - see all comments
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The Boat Owners Association of the United States (BoatUS) is an insurance provider that has exclusively supported the U.S. boating community for the past 50 years. The company offers a wide range of policies with exceptional benefits, add-on coverages, and a membership program with unlimited towing and other perks.
 
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How is BoatUS rated?

Breakdown

4.5/5
Coverage & Benefits
0.0/5
Discounts
5.0/5
Customer Experience
4.5/5
Financial Strength & Reputation

Overall Rating: 4.5 / 5 (Excellent)

BoatUS Marine Insurance Program has 500,000 members and sells boat insurance products in all 50 states since 1966. It has superior financial ratings with all major credit rating agencies as well as an excellent rating with the Better Business Bureau. BoatUS cares about its customers, and it shows. Its website is extremely informative and provides detailed information on its generous policies and coverages. Because of its outstanding financial reputation, industry experience, and customer-centric values, BoatUS is among our top choices for boat insurance in the United States.

BoatUS Coverage & Benefits

Coverage & Benefits - 4.5 / 5

BoatUS offers comprehensive insurance options including agreed value, actual cash value, liability-only, and "only for anglers" policies. It also provides generous base coverages such as a $25k supplemental medical coverage, a fuel spill liability and clean up allowance, haul out coverage of up to 50% of the cost, and up to $1,000 for NOAA storm preparation. The company offers a variety of endorsement options for agreed value and actual value policies, including a premiere enhancement package that increases coverage for medical payments, personal effects, captain’s liability, and freeze protection. An unlimited towing option is available with a BoatUS membership. Policyholders who have a Geico auto insurance policy may also qualify for an additional multi-policy discount.
Policy Type
Agreed Value
Actual Cash Value
Coverages
Comprehensive
Collision
Bodily Injury Liability
Property Damage Liability
Medical Payments
Uninsured/Underinsured Boater
Boat Engine
Type of Boat
Small
Speedboat
Antique
Personal Watercraft
Yacht
Fishing
Sailboats
Pontoon Boat
Bass Boat
Leisure Boat
Sport Boat
Discounts
Multi-Policy
Boat Education Course
Benefits
Salvage Assistance
Fuel-Spill Liability
24/7 Dispatch
Fuel Spill Cleanup

BoatUS Customer Experience

Customer Experience - 5 / 5

BoatUS offers 24/7 claims processing, online accounts with auto-pay, and flexible payment options. Its membership includes an unlimited towing benefit as well as discounts for fuel, slip fees, boating equipment, and more at several marina stores. It also provides free fuel delivery and jump starts, roadside trailer assistance, boat financing, access to information from a sophisticated hurricane tracking center, and six annual issues of BoatUS Magazine, among other perks.
Online Quotes
24/7 Claims
Online Account
Additional Resources
Articles
FAQs

BoatUS Financial Strength & Reputation

Financial Strength & Reputation - 4.5 / 5

BoatUS has superior financial ratings with two of the major U.S. credit rating agencies: A.M. Best and Moody's. The company is a subsidiary of Geico Marine Insurance, which holds a Better Business Bureau rating of A- with only a single negative customer review and five complaints. Its NAIC complaint ratio for 2017 is well below the national median.
Company Type
Subsidiary/ Partner
Year Founded
1966
NAIC Marketshare (2017)
0.52%
NAIC Complaint Ratio (2017)
0.12
NAIC Total Complaints (2017)
1
NAIC Direct Premiums Earned (2017)
$265,587,538
AM Best Financial Rating
A++
Standard & Poor's Financial Rating
AA+
Moody's Financial Rating
Aa1
BBB Rating
A-
Number of BBB Negative Reviews
1
Date Collected
2018-04-19

Company Profile

Full Name
BoatUS Boat Insurance
Company Website
http://www.boatus.com/insurance/
Headquarters
880 South Pickett Street, Alexandria, VA, 22304

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23 Customer Comments & Reviews

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Marcel M
7/1/2019
GEICO BOAT US INSURANCE IS A COMPLETELY RIP-OFF ! IF YOU ARE LOOKING FOR A DISHONEST INSURANCE COMPANY, THIS IS YOUR PLACE. IN 2017 I SPENT A FORTUNE SECURING MY BOAT DURING THE HURRICANE. I HAD ZERO CLAIM. IN A NORMAL HONEST WORLD I SHOULD HAVE A CREDIT, DISCOUNT RIGHT? WRONG. GEICO RAISED MY PREMIUM IN $1,000 PLUS FOR MY 2018 POLICY RENEWAL. IN 2019 THEY DID THE SAME, ANOTHER $1,000. IS THAT FAIR?????" COMPLETELY RIP-OFF I DO NOT RECOMEND GEICO BOAT INSURANCE TO ANYONE!!!!

K
kevin o
4/8/2019
they charged my credit card $3200 at Boston boat show transactions was an unauthorized transaction for nmma Chicago il watch out they steal money. Kevin o 4/8/19

Calvin G
4/3/2019
Boat US customer service is awful. They will do anything possible to not cover the towing. Do not use Boat US for towing. I have had two occasions to use my Boat US towing service and both times got screwed. First time the axle broke and was able to drag last 600 fee to front of my house. When I called to have trailer towed to the trailer repair, they said since it was in front of my house it was no longer covered. If I had left it where it happened they would have towed it to the mechanic. Ridiculous, second time my mechanic loaned me his dealer trailer to bring my boat to him and the bearing burnt out. Both my mechanics and I are unlimited towing members. after three hours of... Read More

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