Boat Insurance

Sail away with peace of mind.

Your boat is a floating investment. That’s why we make it as easy as possible to stay protected with boat insurance. With us, you get a personally tailored policy, just like you’d expect for your other vehicles. And your coverage follows your boat almost anywhere, both inland and on the ocean. So go ahead—enjoy lazy days on the water without a worry.

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Get great coverage at an even better price. Get a boat insurance quote today.

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Why insure your boat with Virginia Farm Bureau Insurance?


You'll Support Virginia Agriculture

When you get insurance with us, you become a Friend of the Farm. Your membership helps support farmers and their families, agriculture, and the Virginia way of life.

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You’ll Enjoy Exclusive Member Deals® & Savings

Get access to member deals® and savings at restaurants and retail locations nationwide.

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You’ll Get Local, Personal Attention

Our agents live where you live, which means we’re right around the corner when the inevitable fender-bender or unexpected life event happens.

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You Can Access Your Account Anywhere

Manage your policy from your mobile device or your computer. You can get car insurance quotes, request auto ID cards, and more wherever you are.

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You’ll See Why Our Member Satisfaction Is So High

Our overall retention rate is hard to beat—92% of our members stay with us year after year.1

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You Get Coverage Tailored to Your Needs

Don’t settle for the minimum—make sure your coverage fits your life. Our agents customize your policy to fit your needs, budget, and the amount of coverage you need.

Get Coverage You Can Rely On

Personalized coverage from a local agent takes the guesswork out of your boat insurance. Talk to an agent in your community.

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Coverage for Pleasure Boats And More

We cover most personal-use boats (including pontoons, motor boats, fishing boats, and personal watercraft), as well as the trailers, motors, and equipment you need to transport them. In other words, you’ll be covered both on the water and on your way to it. Your local agent can help pinpoint exactly which coverages and discounts apply to your situation.2

Liability Coverage

If you’re legally liable in a boating accident, boat liability coverage can help pay for injuries and property damage to others.

Replacement Property Coverage

Don’t let the cost of damage keep you off the water. This option covers vessels, motors, and trailers which are acquired during the policy period to replace previously covered items.

Newly Acquired Property Coverage

This coverage helps protect newly acquired vessels, motors, and trailers which are obtained during the policy period.

Medical Expense Benefit

This can offset your health insurance deductible and pay out for your passengers’ injuries if necessary. It’s also an added buffer if you’re liable in an accident that causes serious injuries.

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Wreck Salvage & Removal

This pays for the cost to raise, remove, or destroy the wreckage of a covered vessel if it’s stranded, destroyed by fire, or sunk.

Towing and Emergency Services

Emergency service includes on-the-water towing, fuel drops, soft ungroundings, dock-to-dock towing, and jump starts if your boat breaks down on the water. Trailer tire changes are covered as well.

Personal Property Coverage

This protection covers your personal property while it’s aboard your boat or water craft. It’s added peace of mind in case something important is lost overboard.

Uninsured/Underinsured Boater

If someone in an uninsured or underinsured boat or watercraft causes damage to you and your boat, this coverage kicks in. Although it’s not required, it still protects you from the risky behavior of other boaters.

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Other Boat Coverages

Talking with your local agent is the best way to find out what other riders or specific coverage are recommended for your situation. Additional options include Coverage for First Aid and Use of Another Vessel.

Virginia Farm Bureau Insurance Reviews

14 years with Farm Bureau and the entire process FAR EXCEEDS my expectations in all areas.

William & April J.

Best insurance company! Been with Farm Bureau 40 years for home and auto!

Tamara G.

We always receive excellent service. Thank you so much!

John & Carol B.

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