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BoatUS review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

BoatUS is a broker for boat owners in the US, scoring 3.5 on a page where most brands are banking and savings products. Cover can reach $1,000,000 from a $25 premium floor, which suits owners of a boat and nobody else.

Key facts

Best for
US boat owners who want broker-placed cover and can pay monthly.
Premium from
$25↗
Provider type
Broker↗
Monthly payments
Yes↗
Excess from
$100↗
Cover limit
$1,000,000↗
Claims channels
Online, Phone↗
Legal entity
Boat Owners Association of The United States↗
Headquarters
United States↗
Founded
1966↗
Support channels
Phone, Help-centre↗
Official website
boatus.com

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • Monthly payments are available, spreading the $25 starting premium across the year.
  • Claims start online and phone, so a loss can be reported without post.
  • Cover runs to $1,000,000, a useful ceiling on a high value craft's total loss payout.
  • BoatUS has traded since 1966 under the name Boat Owners Association of The United States in the US.

Cons

  • Support runs on phone and help centre only, so there is no live chat or email route.
  • As a broker in the US, BoatUS is built around boat cover rather than everyday saving and borrowing.
  • A $100 excess is deducted from a claim before cover pays.

Ready to try BoatUS?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • US boat owners who want a broker placing their cover and can pay monthly.
  • Owners of expensive craft who need cover reaching $1,000,000.
  • People who want the policy handled by a long standing owner body: BoatUS is Boat Owners Association of The United States, trading since 1966.

Who should look elsewhere

  • Anyone after a bank account rather than boat cover: bunq and bunq Spain start at €0 and €0 on their own products.
  • Readers saving for the long term: Linxea's €25 entry point sits in a different product family.

How BoatUS compares

Where BoatUS is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does boat insurance from BoatUS cost?+

Premium starts at $25, and monthly payments are available, so that figure can be spread rather than paid in one go. Across the comparison set BoatUS sits at 180 of 251 brands on starting premium, above the insurance median of €7.95.

Can I pay the premium monthly?+

Monthly payments are available, so the $25 starting premium does not have to be settled at once. That matches most of this market, where 89% of the brands ranked offer the same choice. A premium that starts at $25 is easier to absorb month by month than in one payment for most boat owners.

What would I have to pay on a claim myself?+

The excess starts at $100, so that amount is deducted from a claim before cover pays. Cover itself can reach $1,000,000, so the two figures frame the policy: a small amount you keep, against a large ceiling you may rarely touch.

Who is behind the policy?+

BoatUS is a broker, so it places cover with an underwriter rather than carrying the risk itself. Brokers account for 35.1% of the brands in this category, so this is a common setup on comparison sites and worth checking on any policy you read.

How do I make a claim or reach support?+

Claims start online and phone, so a loss can be reported online or by phone. General support runs on phone and help centre, and the phone line is the overlap: it is the only route listed for both. There is no live chat option.

Can I buy it if I am in the UK or Europe?+

BoatUS is a US business: based in the US, operating as Boat Owners Association of The United States. The policies are written for that market, so a UK or European reader should treat the premium as a reference point rather than a quote they can buy.

How established is BoatUS?+

BoatUS has been operating since 1966, which places it among the longer standing names in this comparison. Length of service matters in insurance because the claims and underwriter arrangements have to keep working after the sale, not just at sign up.

Sources

  • boatus.com checked September 26, 2026

    Backs: Legal entity

    “(c) 2026 Boat Owners Association of The United States.”

  • boatus.com/about-us/history checked September 26, 2026

    Backs: Founded

    “Dick Ellison joins Schwartz and they launch Boat Owners Association of The United States (BoatUS) based on a vision of service, savings and representation for the nation's boat owners.”

  • boatus.com/faq/boat-insurance checked September 26, 2026

    Backs: Claims channels, Cover limit, Monthly payments

    “Policyholders can start the claims process quickly online using My Account at BoatUS.Geico.com/Account or through the BoatUS App. Policyholders may also call 800-937-1937 to speak one-on-one with...”

  • boatus.com/insurance checked September 26, 2026

    Backs: Provider type, Excess from, Support channels

    “Boat and PWC policies are underwritten by GEICO Marine Insurance Company with administrative offices at 5323 Port Royal Road, Springfield, VA 22151.”

  • boatus.com/products-and-services/membership/plans checked September 26, 2026

    Backs: Premium from

    “Basic Membership $25 per year”

  • linkedin.com/company/boatus checked September 26, 2026

    Backs: Headquarters

    “Primary 5323 Port Royal Rd Springfield, Virginia 22151, US”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Insurance types.

BoatUS

US boat owners who want broker-placed cover and can pay monthly.

8.8/10See alternatives