Protection for what insurance won't cover
Mechanical breakdowns are the most expensive thing that happens to boat owners — and the first thing insurance denies. BoatProtect covers that gap.
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No commitment. Results often available within 24 hours
Most owners plan for time on the water. Few plan for what could interrupt it.
Most boat insurance protects against accidents. The repairs most owners actually face are mechanical—and usually paid entirely out of pocket.
of on-water assistance calls involve a mechanical failure — not an accident.
Boats operate in harsh conditions. Sun, vibration, moisture, and saltwater all take a toll over time. Mechanical issues are one of the most common realities of ownership.
on-water assistance calls in a single year — more than 300 per day.
That's more than 300 boaters every day needing assistance on the water. Mechanical breakdowns aren't rare events, they're one of the most common reasons owners call for help.
THE DIFFERENCE
Insurance and protection plans solve different problems.
Marine insurance was designed for accidents. Mechanical failures are a different kind of ownership risk.
Marine Insurance
Marine InsuranceCovers what happens from the outside, like collisions and storm damage — but not mechanical wear and tear
BoatProtect
BoatProtectCovers what breaks from the inside. Built for the breakdowns that insurance leaves you to pay for
Not every boat ownership surprise looks the same.
Each type of protection addresses a different ownership situation. You don't need all three — you need the ones that match how you own your boat.
When something inside your boat simply stops working.
Engines, electronics, steering systems — covered when they fail through normal use. No accident required.
Mechanical protection helps avoid unexpected repair billsYou owe more on your loan than your insurance will pay after a total loss.
Boats depreciate. After a total loss, the gap between what insurance pays and what you owe is yours to cover — unless you have GAP protection.
GAP Protection helps avoid owing after a total lossYour battery suddenly won't hold a charge.
Battery replacement isn't a question of if — it's when. BoatProtect covers the battery and installation so it doesn't become an unplanned expense.
Battery Protection helps avoid an unplanned battery replacementWhich plan fits how you own your boat?
Most owners find the right plan by thinking about their ownership situation first.
Good fit if: You want protection from unexpected mechanical and electrical repairs without adding additional coverage
- Mechanical & electrical breakdown coverage
- 1,000+ covered components
- Use any licensed service center nationwide
Starting at
Good fit if: You're financing your boat and want protection against unexpected repairs and the financial gap between your loan and insurance payout
Includes everything in On the Water, plus:
- GAP protection*
- Loan balance protection at total loss
- Insurance deductible reimbursement up to $1,000
Starting at
Good fit if: You plan to keep your boat for years and want protection for repairs, loan exposure, and future battery replacement
Includes everything in Peace of Mind, plus:
- Battery replacement coverage
- Professional installation included
- Lithium-ion batteries covered
Starting at
No credit card · No commitment ·
Results often in ~24 hours
* GAP protection only available to owners financing a boat.
When you need it, it's straightforward.
No restricted networks. No reimbursement forms. You choose the shop — they handle the rest.
- Any licensed shop, nationwide
- No dealer lock-in
- No reimbursement paperwork
- You pay only your deductible
Take your boat to any licensed shop.
No dealer lock-in. No restricted networks. Any licensed marine technician, anywhere in the country — you choose.
The shop handles authorization.
They contact BoatProtect directly. We approve the repair in real time. No paperwork on your end.
The repair gets done.
At the shop you chose, on your timeline. Nothing required from you during this phase.
BoatProtect pays the shop.
We settle directly with the repair shop. You pay only your deductible — nothing more.
Questions worth asking before you decide
Everything you need to make a confident decision about protecting your boat.
Yes, extended service plans are available for both new and used boats, although coverage options may vary.