Thursday, May 9, 2024

Is Boat Insurance Required In Ohio

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Ohio Required Boating Safety Equipment

Most states don’t require boaters to purchase insurance for their watercraft. However, many marinas do require some form of insurance if you wish to use a slip or mooring. Additionally, your bank will require insurance if you are financing the purchase of a boat. Even if these requirements don’t apply in your situation, it’s still generally a good idea to get boat insurance.

How Much Is Boat Insurance Per Month

The amount you pay per month for boat insurance depends on how valuable your boat is, what insurance plan you choose, and a number of other factors. A basic liability plan can cost you as little as a $100 every year, while a comprehensive plan for a mid-range pontoon can cost as much as $45 a month.

If insuring your pontoon sounds a bit pricey, dont worry. Here are some ways you can reduce the monthly payment:

  • Find a policy that suits your needs, and dont pay extra for things you wont use.
  • Maximizing your boats safety features can reduce your monthly payment.
  • Complete a boating safety course and show your agent the certificate.
  • If your pontoon isnt getting a lot of use, lengthen the lay-up period.

When you show your insurance agent that youre serious about boat safety, you could end up getting a discount of 5% or more.

Get A Fast And Free Auto Insurance Quote Today

Find Ohio car insurance that fits your life and budget while maintaining coverage that meets or exceeds the Buckeye State’s minimum requirements for an auto policy. No matter where you’re driving in Ohio’s many large cities and small towns, make sure you have a car insurance policy that delivers competitive rates with outstanding 24/7 customer service. We also offer some great car insurance discounts that could help you save even more on your policy. Get a car insurance quote from GEICO if you’re new to Ohio or just interested in switching insurance providers.

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Comparing Boat Insurance Providers

Owning a boat is a major expense and you should choose your boat insurance provider with care. Remember to research the company and check out its ratings and reviews. Some other things to keep in mind when comparing providers include:

  • Coverage options: What type of coverage is offered? Make sure you understand the different plans and if things like running aground or hitting the dock are covered.
  • Pricing: Know how much youre paying for coverage and what that includes. Also, keep due dates in mind and if a downpayment is required.
  • Discounts: What discounts does the provider offer? Some things to ask about are bundling discounts, safe boater discounts, age-based discounts, and discounts for experienced boatmen
  • Specializations: Know if the provider specializes in marine coverage and make sure the agents are knowledgeable because it is much different than auto insurance. Some companies specialize in recreational boating and others specialize in commercial boating and yachts.
  • Coverage Exclusions: Research ahead of time what is not covered so you know before you choose a policy. Some providers wont insure boats that go above a certain amount of knots and others wont insure boats with aftermarket parts.

Get Watertight Ohio Flood Insurance

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Wallace & Turners standard flood policy will insure the following:

  • Structural damage

  • Furnace, water heater, and air conditioner

  • Flood debris cleanup

  • Flooring such as carpeting and tile

Flood insurance can also protect contents in your home, such as furniture, collectibles, clothing, jewelry and artwork.

Our independent insurance agents are ready to help you select the right flood insurance policy for your situation. Call today.

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What Factors Affect Your Boat Insurance Cost

A number of factors, some in your control and some not, can have an impact on your boat insurance rates. If you sail on a lake that has a high rate of claims, the cost of your coverage will be higher than for a lake where there are far fewer claims.

Additional factors that affect your boat insurance rates include:

Save on Boat Insurance

Boat & Watercraft Insurance

Wagner Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. Youâll enjoy being on the water even more when you arenât worried about your safety, the safety of your passengers, or your investment.

Do you know what to look for in an Ohio watercraft insurance policy? Wagner Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

Here are some items youâll need to consider when shopping for Ohio boat insurance.

Every need is unique â contact us today to find out how to get the best boat insurance coverage for you.

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Does Atv Insurance Cover Riders And Passengers

While some families have a set of ATVs, others share a vehicle or two and even lend them to friends. If you ride with a family member or bring passengers along on your ATV, you may wonder whether passengers are covered.

ATV insurance typically does cover your vehicle and any riders, provided that those operating the vehicle are at least 16 years old and possess a valid drivers license.

In most cases, your ATV coverage extends past you and covers your vehicle whenever it is taken out for a spin by a licensed driver. Be sure to review your coverage carefully with your agent so you know what is and is not covered under your policy.

To get the information you need regarding ATV insurance policy limits, quotes, and how to best protect your vehicle and your finances, be sure to contact a local independent agent in our network.

Your agent can answer all your questions, shop for the best rates for your needs, and will be there in the event that you need to file a claim.

Can My Child Operate My Boat In Ohio

What You Need To Know Before Buying Boat Insurance

In Ohio, children under the age of 12 are prohibited from operating any personal watercraft . Additionally:

  • Children 12-15 can operate a PWC only if they have an education certificate and an adult is onboard.
  • Children 16 and older can operate without supervision if they have an education certificate.
  • Anyone born before 1982 can operate a PWC without an education certificate.

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So How Much Does Pontoon Boat Insurance Cost

If youre reading this article with the expectations of getting a definitive answer to this question then Im afraid youre going to be disappointed. Like most other things money-related, insurance is a complex industry. There are a lot of factors that go into determining how much youll pay to insure your pontoon boat. Adjusters consider a number of things before quoting you, like your boats value, state and municipal laws, and your other insurance policies.

In this post, Ill explain more about boating insurance and clear up some common misconceptions.

Best For Additional Coverage Options: Foremost


  • No. of Policy Types: 3
  • Coverage Limit: Varies

Foremost offers various boat insurance packages with unique add-ons including trip interruption services.

  • Unique add ons like onboard pet coverage

  • Trailer coverage

  • Contact agent for specific coverage maximums

  • Website could give more details

Foremost is a part of the Farmers Insurance Group of companies. It is a specialty insurance company that has been in business since 1952, and it’s known for providing affordable coverage for boat insurance in all 50 U.S. states. Foremost offers some unique coverage options for an additional premium, including hurricane haul-out, enhanced towing services, fishing tournament fee reimbursement, additional pollution liability coverage, pet coverage and trip interruption service.

There are several discounts available through Foremost that are designed to save you money on your premium. This includes a lay-up discount, paid-in-full discount, boating safety course, protective device discount, multi-policy discount, multi-unit discount, loss-free renewal discount, prior insurance, insured age , and affinity and alliance discounts for boat operators who are a part of an approved affinity group or alliance organization. Coverage is also available for classic boats over 25 years old.

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How Much Does Boat Insurance Cost

Boat insurance costs can vary widely depending on several factors, including location, boat size, and type of watercraft. For example, you won’t be paying the same amount for a bass boat as you would for a high-performance boat. If you have significant boating experience or if you’ve already had insurance, you may be eligible for discounts through American Modern® insurance.

What You Should Know When Insuring Your Sailboat

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  • Have your sailboats year, make, and model ready to receive the most accurate quote youll need the hull identification number to start a policy
  • Well sometimes ask about your sailboats hull length, material , and propulsion type
  • Completing a boater safety course could bring down your sailboat insurance cost
  • Youll have the option to insure your sailboats trailer

Also Check: Who Owns Freedom Boat Club

Best For Emergency Services Coverage: State Farm

State Farm

  • No. of Policy Types: 1
  • Coverage Limit: Varies

State Farm is a well-known insurance provider that offers additional coverages including emergency services reimbursement.

  • Coverage for houseboats and jet-skis

  • No online quotes for boat insurance

  • Website needs more detailed information

  • Need to contact agent for policy details

In business since 1922, State Farm is one of the best-known names in insurance in the United States. They offer boat liability and property damage insurance for common risks like storms, collision, theft, and more, with add-on coverage options available . Their property damage coverage extends protection not only to equipment permanently attached to your boat but also to accessories such as detachable canopies, life preservers, and seat cushions. State Farm has resources available for boat owners including articles on boat trailer safety tips, boat safety, and water safety. Boat insurance is available for a multitude of watercraft: runabout/sport boats, cruisers/yachts, sailboats, bass boats, jet skis, houseboats, and kayak/canoes.

Regardless Of What You Think Injuries Can Happen

Just because youre a cautious boater who obeys all of the safety regulations doesnt mean that you wont cause an accident. We can take all the steps in the world to avoid collisions, it still doesnt make us impervious to the random freak accident.

Boating accidents are serious, much more so than a fender bender on the road. Making one mistake, like towing a tuber too fast or hitting a jet skier, can seriously injure or even kill someone. For this reason, you want to have a good insurance policy that protects you and your boat.

A comprehensive policy will cover your pontoon as well as injuries to yourself and others. If this isnt something youre interested in, you should get a liability plan at the very least. This way, youre protected in the event that you cause an accident that hurts someone else. You dont want to be stuck with hospital bills and expensive legal fees because you were uninsured and injured someone.

Read Also: Freedom Boat Club Rules

Secure Your Financial Future With Ohio Identity Theft Insurance

While theres no foolproof method to prevent identity theft, Wallace & Turner can put the tools in place to make the recovery process faster while saving you money with less aggravation should someone steal your identity. We can help you recover costs for the following:

  • Refiling applications for loans or other credit instruments

  • Notarizing affidavits

  • Fees charged by an approved attorney for necessary legal actions

  • Fees from financial institutions

  • Replacing documents, including drivers license, passport and Social Security card

Contact us to learn more about how identity theft insurance can keep you protected.

What Other Factors Affect Your Boat Insurance Cost

Safe Boating in Ohio

Besides where you live, several factors play into boat insurance rates, including:

  • Type of watercraft: Fishing boats, pontoon boats, sailboats, and other personal watercraft all have unique features that may affect the cost of your policy.
  • Safety measures:Completing a boating safety course may lower your rate.
  • Boats horsepower: Boats with stronger engines, like powerboats, often have higher rates.
  • Boat’s age: Newer boats are often more expensive to insure than older boats.
  • Boating history: More experienced boaters may receive lower insurance rates than newer boaters with less experience on the water.

You may be able to lower the cost of boat insurance by qualifying for discounts, including multi-policy, multi-boat, and responsible driver. Learn more about boat insurance discounts at Progressive.

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What Would Boat Insurance Cover

Once you have deduced that coverage is necessary, it is important to know what is specifically covered on your plan. Boating insurance often covers the following:

  • Bodily damage caused by your boat
  • Property damage to docks or other boats caused by your boat
  • Damage caused directly to your boat

Most basic policies cover these situations. You can also invest in comprehensive boat insurance as well. Some of the things included in comprehensive boat insurance include:

  • Theft, vandalism, fire and flood
  • Property damage against fishing equipment
  • Roadside assistance, if youre in need of a tow

Naturally, the coverage varies by policy and region, especially depending on the kind of watercraft you own and the type of body of water it is used on.

It is in any boat owners best interest to have their assets covered in any case with a water-tight insurance plan.

Take the mystery out of Ohio boat insurance and contact an agent at Burkhart Insurance to get your free quote today.

What Does Boat Insurance Typically Cover

Boat insurance coverage will depend on what type of boat you have, what insurance provider you use, and what coverage youre willing to pay for. General boat insurance typically covers physical damage to your boat, as long as none of the restrictions of the policy were violated, and liability coverage for damage to other property caused by you while operating your boat. You can add additional coverage types, such as medical payment for injuries you sustain while on the boat.

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Reckless Operation Of A Vessel

Failure to Regulate Your Speed

This is operating your vessel at a faster rate than recommended, especially during vessel traffic, poor weather condition, and closeness to shore. Some example of this is:

  • Operating your vessel at extreme speed in the close vicinity of another vessel, PWCs, or dangerous waters
  • Operating at a greater speed than slow, no wake speed that is posted in a no wake zone
  • Going faster than the speed limit posted near the body of water you are operating on
  • Going at a speed that can be harmful to your vessel

Improper Distance Between Others

If you are operating your vessel faster than 5 mph while operating within 100 feet of the shore, dock, pier, raft, float, or an anchored or moored vessel you are operating your vessel improperly and putting others around you at risk.

Riding on the Bow, Deck or Gunwale of a Vessel

Riding on anything that is not equipped with fixed seating can lead to the potential of falling overboard. Do not allow your passengers or yourself to sit on a seat back, transom, gunwale, seats on raised decks or a bow.

Reckless Operation Specifics

This is when you weave through traffic, swerve last minute to avoid a head-on collision with another vessel, or overload your vessel beyond the capacity it states on the plate.

Unsafe Conditions

Not having enough personal flotation devices, fire extinguishers, backfire flame arrestors, ventilation systems, or navigational lights are putting yourself and others abroad your vessel at risk.

Ohios Special Activities Permits

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It is not permitted within the state of Ohio to conduct a race, regatta, or other special event within the state of Ohio without obtaining a permit. The permit must be obtained 30 days prior to the event. The permit must be obtained from the state or federal agency, or political subdivision that has jurisdiction over the waters where the event will be held.

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Dont Expect To Be Covered By Your Homeowners Policy

The notion that homeowners insurance covers boats is one of the biggest misconceptions that new pontooners make. Its never a good idea to assume that anything is covered by insurance, so take the time to carefully read your policy. Otherwise, youre setting yourself up for a bad day in the event that your pontoon gets damaged.

Part of the reason that people have this misunderstanding about homeowners insurance is because some policies do cover boats. However, these boats small, usually without an engine, and inexpensive. Your pontoon, which is probably worth anywhere between $15,000 and $45,000, will not be covered by homeowners insurance in any circumstances.

Ohio Boater Education Card Faqs


A Ohio Boater Education Certificate proves that youve obtained the knowledge needed to safely operate a motorized boat on Ohio waterways. All boat operators in Ohio who were born on or after January 1st, 1982 are required to obtain an Ohio Boater Education Certificate in order to operate a boat powered by a motor of more than 10 hp.


It is illegal for a person under 16 years of age to operate a personal watercraft in the state of Ohio.

Children that are between 12-15 years of age may operate a PWC if a supervising person who is 18 years of age or older is also on board the PWC. If the supervisor was born on or after January 1, 1982, they must hold a Boating Safety Certificate.


Boat operators in Ohio who are less than 12 years of age:

  • May not operate any boat unless under the direct visual and audible supervision of a person who is 18 years of age or older
  • May not operate a PWC.
  • May not operate any other boat powered by more than 10 horsepower unless under the direct visual and audible supervision of a person 18 years of age or older


You can get your Ohio Boater Education Certificate by completing the Official BOATsmart! Course online. Once you successfully complete the online study guide and final exam, you can print a temporary card immediately. BOATsmart! will mail your permanent card within 4 weeks.

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