Boat insurance that gives you more freedom
Join a leading boat insurer and enjoy no travel costs or restrictions
We want you on the water actually enjoying your boat. That’s why we make it as easy as possible to get a boat insurance policy (also called boat owners insurance) and stay protected almost anywhere you go. At Harmsen , we drop the common requirements other insurers may force on you, such as travel restrictions, travel costs, and marine surveys.

You’re covered anywhere in U.S. and Canada
Insure your boat with Harmsen Insurance , and you’re automatically covered on all lakes and rivers in the U.S. and Canada, plus ocean waters within 75 miles of the coast. No questions asked.

Join one of the best boat insurers
35+ years of boat insurance experience. Over 1 million watercraft insured. It’s safe to say we’re one of the top boat insurance companies. Get a quote and see why boaters trust us.

How we make it easier to get boat insurance
Most of the time, all you need to do is get a quote, tell us a bit about your watercraft, and you can buy boat insurance online right away. It should be that easy everywhere, but it’s not. Here’s how we make it easier and why it matters.