Frequently asked questions

Need more answers? Give us a call at 1-800-236-2453.

I don't use my boat often. Do I really need boat insurance?

It is best to remember, it only takes one incident to realize your need for boat insurance. It may feel like you don't need coverage if you only use your boat a few times a year, but in reality, each time you are on the water you are at risk of an accident. Since you can never tell when you may need insurance, it's important to protect your boat at all times—no matter how little you use it.

Even if you aren't worried about covering your boat for physical damage, you should (at the very least) have a liability-only policy. This type of policy will help to protect your assets in the event that you are held liable for bodily injury or damage to someone else or their property in an accident.

How much coverage do I need?

There isn't a good answer to this question. Each boat, person, location, and situation is different. There isn't a good way to give a "ballpark" figure for how much coverage you need. It is best to evaluate your comfortable level of risk when protecting your boat, assets, and passengers. Your best option is to call our boat specialists at 1-800-236-2453 to discuss the best coverage for you.

Do I need to insure my boat in the winter?

It may seem that since you don't use your boat in the winter you don't need to insure it. This is a risky way of looking at insurance, and one that we have seen cost far too many people far too much money. Your boat is at risk for damages at all times of the year, not only when it's on the water. For example, if your boat is placed in storage for the winter and it is damaged, you will not have any assistance is paying for those repairs without an active insurance policy.

How do I file a claim?

We understand that no one wants to file a claim. That's why we do everything we can to make the process as painless as possible. You may simply submit your boat insurance claim online or call us at 1-800-236-2453 and we'll take it from there!

Does it cost more if my kids waterski?

No way! We know that is one of the main reasons people buy boats, so we're certainly not going to charge you extra for it.

Do you cover pontoon boats and other unique boats?

Yes, we do! Get your pontoon insurance boat quote right now! We are Marine Insurance Specialists, so we offer coverage for all kinds of unique boats that other insurers may shy away from, including: high performance boats, airboats, hovercraft, etc.  Not sure if your watercraft will be covered?  Give us a call at 1-800-236-2453 to speak with one of our marine insurance specialists. 

What kind of fishing equipment is covered?

Your rods, reels, and tackle are automatically covered under your personal effects coverage, up to the limit purchased. If that coverage isn't sufficient, our fishing equipment coverage provides protection at replacement cost. Please contact one of our marine insurance specialists at 1-800-236-2453 to find out more.

Do I have to wear a life jacket to be covered?

While we don't require you to wear a life jacket to be covered, we strongly recommend it. We've seen far too many cases of serious injury or death that could have been avoided if life jackets had been worn. That's why we encourage our customers to wear their life jackets every time they are on the water.  Not sure where to start?  Check out these tips to keep in mind when looking for your next life jacket.

Is there a speed restriction for PWC insurance?

No, we don't have any restrictions for speed on stock PWCs.

Will a passenger on my PWC be covered?

Yes, your passenger will be covered under your policy's pwc liability coverage (if you are found legally liable for his or her injuries) and medical payments coverage (if purchased).

Markel Customer Service
Hours of operation:
Mon.–Fri., 7:00 a.m.–8:00 p.m. CST
Sat., 9:00 a.m.–5:00 p.m. CST


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