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National Boat Owners Association Boat Insurance Review

Rating: 8.6 / 10 (Excellent)
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National Boat Owners Association (NBOA) is a boat insurance agency that allows consumers to purchase policies from top-rated marine underwriters. Consumers can quickly request a personalized quote online. Those who purchase insurance through NBOA can also join the organization, which provides additional services to its members, such as 24/7 emergency dispatchers.

How is National Boat Owners Association rated?


Coverage & Benefits
Customer Experience
Financial Strength & Reputation

Overall Rating: 8.6 / 10 (Excellent)

As a marketplace, National Boat Owners Association offers consumers an excellent solution for purchasing boat insurance from top-rated underwriters. Since it is a specialized organization, consumers may find it easier to get answers to their insurance-related questions. Its quote application tool is quick to use, and coverage options are easily customizable, allowing consumers to get the right policy for their needs.

National Boat Owners Association Coverage & Benefits

Coverage & Benefits - 8 / 10

National Boat Owners Association (NBOA) is a boat insurance agency that provides consumers with policies from top-rated insurers. Although the company works with several underwriters, it states their policies include an agreed value benefit and liability coverage, medical payments, personal property, and fishing equipment, as well as boat towing coverage and pollution liability. It also allows prospective customers the ability to select their deductibles, which can be calculated in dollars or as a percentage of the boat's value.
Policy Type
Agreed Value
Bodily Injury Liability
Property Damage Liability
Medical Payments
Personal Effects
Additional Boat Equipment
Fuel-Spill Liability
Boat Towing

National Boat Owners Association Customer Experience

Customer Experience - 10 / 10

NBOA has a helpful online quote application tool that allows consumers to request a quote by filling out some basic information about themselves and their vessel. After applying, consumers will get a call from an agent providing them with further details. Coverages and coverage amounts can be customized in the quote or consumers can opt to have an agent choose coverages for them based on their particular needs. Although the company does not have a 24/7 claims service, it does offer around-the-clock dispatch services for emergencies. A live chat is available on the website as well as several articles on boating topics.
Online Quotes
24/7 Claims
Live Chat
Online Account
Additional Resources

National Boat Owners Association Financial Strength & Reputation

Financial Strength & Reputation - 8 / 10

NBOA is an insurance marketplace, not a direct underwriter. It has an A+ rating with the BBB, but have yet to receive any customer reviews. Since NBOA connects consumers to third-party underwriters, prospective customers are advised to research the financial strength and customer reputation of the insurance company from which they purchase a policy.
Company Type
Year Founded
BBB Rating
Date Collected

Company Profile

Full Name
National Boat Owners Association Boat Insurance
Company Website
880 South Pickett Street, Alexandria, VA, 22304

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Top Rated
9.3 / 10
  • Affordable insurance coverages for recreational boaters
  • Agreed value, actual cash value, liability-only, and anglers-only policies
  • Unlimited towing with BoatUS membership
  • Mechanical breakdown endorsement available
  • 25% diminishing deductible on all base policies
  • 24/7 dispatching and claims reporting