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United Marine Underwriters Boat Insurance Review

Rating: 8.2 / 10 (Excellent)
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Since 1990, United Marine Underwriters has been a provider of quality insurance products and related services for boat owners and insurance agents alike. The company, which has extensive industry experience and employs knowledgeable boat insurance agents, specializes in providing consumers the information they need to make the right decisions for their particular watercraft needs.

How is United Marine rated?


Coverage & Benefits
Customer Experience
Financial Strength & Reputation

Overall Rating: 8.2 / 10 (Excellent)

United Marine exclusively provides boat insurance that covers a wide selection of watercraft including luxury yachts and charter boats. It offers all standard coverages and benefits as well as specialized coverages like boat insurance navigation for Canada, the Bahamas, and Mexico. It is licensed in all states except New Mexico. Compared to other competitors, its website is antiquated and navigating through it can be challenging; however, the company knows its products and customer base and works with three insurance companies with strong A.M. Best financial ratings. United Marine has been selling boat insurance since 1980 and is an excellent choice for consumers who require specialized coverages.

United Marine Coverage & Benefits

Coverage & Benefits - 8.5 / 10

United Marine offers five different boat insurance policies through three providers, including agreed or market value policies as well as a performance boat policy. It covers all types and classes of watercraft including personal watercraft, leisure boats, fishing vessels, charter boats, and yachts, and offers specialized coverages such as captain and crew liability for charter or fishing boats. It claims to be the only company to offer a Boaters Assistance Program with a consequential loss benefit on its yacht coverage. It also offers multiple specialized deductibles including a hurricane haul out deductible and a named storm deductible (NSD).
Policy Type
Agreed Value
Actual Cash Value
Bodily Injury Liability
Property Damage Liability
Reasonable Repairs
Medical Payments
Uninsured/Underinsured Boater
Personal Effects
Boat Engine
Additional Boat Equipment
Boat Trailer
Wreck Removal
Personal Watercraft
Type of Boat
Personal Watercraft
House Boat
Bass Boat
Leisure Boat
Sport Boat
Add-On Coverages
Total Loss Replacement
Boat Education Course
Diesel Craft
Coast Guard-Approved Fire Extinguisher
Ship-to-Shore Radio
Layup (Storage)
Salvage Assistance
Wreckage Removal
Roadside Assistance
Fuel-Spill Liability
Boat Towing

United Marine Customer Experience

Customer Experience - 7.5 / 10

United Marine's website offers easy-to-read, detailed descriptions of its five policies, including the following highlighted sections: hull insurance, loss settlements, personal effects, deductibles, and add-on coverages. It offers a 90-second quick quote as well as detailed and expert information on boat-related topics in its newsletter, blog, and FAQ sections. It provides a live chat feature, yet it's unclear whether they offer 24/7 claims reporting or processing.
Online Quotes
Live Chat
Online Account
Additional Resources

United Marine Financial Strength & Reputation

Financial Strength & Reputation - 8.5 / 10

United Marine Underwriters works with three insurance companies: Ace American, American Modern Insurance Company, and Travelers Insurance. According to the company's website, all three underwriters hold A+ or higher A.M. Best ratings. The ratings and direct premiums earned shown in this review are for Travelers Casualty and Surety Company of America, A.M. Best's ultimate parent company for Travelers Insurance. It has a superior A.M. Best rating as well as excellent Standard and Poor's Financial and Moody's ratings. The company had more than $292 million in direct premiums earned in 2017 for all products including boat insurance. United Marine has a BBB rating of A+ with 0 negative reviews, yet doesn't have a presence on Trustpilot.com.
Company Type
Subsidiary/ Partner
Year Founded
NAIC Marketshare (2017)
NAIC Complaint Ratio (2017)
NAIC Total Complaints (2017)
NAIC Direct Premiums Earned (2017)
AM Best Financial Rating
Standard & Poor's Financial Rating
Moody's Financial Rating
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected

Company Profile

Full Name
United Marine Underwriters Boat Insurance
Company Website
1309 Bluegrass Parkway, LaGrange, KY, 40031

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Top Rated
9.7 / 10
  • Rated AA (very strong) by Standard & Poor's
  • Insures boats of up to $350,000 and personal watercraft of up to $27,000
  • Receive premium discounts for taking a boat safety course
  • Accident forgiveness benefit included
  • Customize your coverages with the simple quote tool