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Boatowners and Yacht Insurance What is Boatowners and Yacht Insurance? Boatowners and yacht insurance is a marine ins... marketplace-level information see Boatowners and Yacht Insurance when compari...

Many people choose houseboat ownership to enjoy the freedom and beauty of America’s lakes and rivers. Whether your clients are longtime enthusiasts or first-time buyers, houseboats offer a relaxing, adventurous lifestyle—and a valuable asset that deserves comprehensive protection. With vessels typically ranging from 35 to 90 feet and featuring many of the comforts of home, securing the right insurance coverage is essential. That’s where you come in. Maritime Program Group (MPG) offers a specialized House Boat Insurance program designed to help agents like you place coverage for clients nationwide. As a trusted Managing General Agency (MGA) with deep marine expertise, MPG provides access to top carriers and offers flexible solutions tailored to the unique risks of houseboat ownership. Ideal Accounts and Appetite This program is designed for individual houseboat owners seeking broad and reliable insurance protection. Whether your client owns a modest 35-foot cruiser or a luxurious 90-foot houseboat with high-end finishes, MPG can help you find suitable coverage. The program is ideal for: Privately owned houseboats used for personal or family recreation New and used vessels across major U.S. lakes and inland waterways Owners seeking comprehensive protection for both the vessel and liability exposures Note: Commercially operated or permanently moored residential vessels may not be eligible—contact MPG for case-specific underwriting guidance. Coverage Highlights and Advantages The House Boat Insurance program through MPG includes robust coverage options to meet a range of client needs: “All Risk” Hull Coverage – Protects against direct physical loss or damage to the vessel Protection & Indemnity (P&I) – Covers liability for bodily injury and property damage Fuel Spill Liability – Helps address environmental cleanup and legal costs Personal Effects Coverage – Insures belongings onboard the vessel Medical Payments – Pays for onboard injuries to guests or crew Uninsured Boater Coverage – Provides protection when involved in an accident with an uninsured operator Towing & Emergency Services – Offers peace of mind during breakdowns or emergencies on the water Why Work With Maritime Program Group? MPG stands out in the marine insurance space for its hands-on approach and deep underwriting expertise. When you work with MPG, you benefit from: • Direct access to experienced in-house underwriters • In-house policy issuance and endorsements • Broad appetite—from small boats to luxury vessels • Fast, responsive service and proactive communication • Online tools for quoting, applications, and document management • Agency billing and competitive commission schedules • Dedicated in-house claims handling team Underwriting Notes and Minimum Premiums Minimum premiums vary based on vessel size, location, and selected coverage limits. MPG’s underwriting team is available to discuss account-specific criteria and help you determine eligibility and pricing. Submissions with complete vessel specs and usage details help expedite the quote process. Territories and Availability MPG’s House Boat Insurance program is available in all 50 states plus Washington, D.C. Whether your client operates in the Great Lakes region, along the Mississippi River, or on the West Coast, you can access this program to meet their needs. Admitted and non-admitted solutions are available depending on the state and risk profile. Get Started Today Don’t miss the opportunity to round out your clients’ personal lines portfolios with specialized houseboat coverage. Contact Maritime Program Group at 800-366-8086 or visit www.maritimepg.com to learn more or start your submission. Frequently Asked Questions What types of accounts are a good fit for this House Boat Insurance program?This program is ideal for private individuals who own houseboats used for recreational purposes. Vessels typically range from 35 to 90 feet in length and may include high-end personal amenities. Are commercially operated houseboats eligible for coverage?This program is focused on personal-use houseboats. Commercial or permanently moored residential vessels may not qualify, but you can contact MPG for guidance on unique risks. What coverages are included in the standard policy?Core coverages include “All Risk” hull protection, Protection & Indemnity (P&I), fuel spill liability, personal effects, medical payments, uninsured boater coverage, and towing assistance. Is this program available in all states?Yes, the House Boat Insurance program is available in all 50 states and Washington, D.C. How can I get a quote or submit an application?You can obtain instant online quotes and submit applications through MPG’s portal or by contacting their underwriting team directly. Need help placing an account? Connect with a market specialist.

At Global Marine Insurance, boats and yachts are our sole focus. We specialize exclusively in marine insurance and provide tailored coverage solutions for a wide range of vessels, from small boats and cruisers to sailboats, sport fishers, motor yachts, and luxury yachts. Whether your client uses their vessel for weekend getaways, full-time cruising, or tournament fishing, we can customize a policy that fits their lifestyle and risk exposure. As a general agency licensed in all 50 states, we partner with top-rated carriers including ACE, AIG, American Reliable, Geico, Markel, Progressive, and Travelers. All of our markets are A-rated or better, giving you access to quality coverage options for both admitted and non-admitted placements depending on the specific risk and state requirements. Ideal Accounts and Appetite Our program is designed for a variety of personal and commercial marine risks. Ideal accounts include: Recreational boat owners with vessels valued at $25,000 and up High-value yachts and performance boats Liveaboard vessels or boats used seasonally in multiple states Clients requiring specialized navigation territories (e.g., Bahamas, Gulf Coast, Great Lakes) You might have a client who just purchased a $300,000 motor yacht and plans to cruise from Florida to the Carolinas seasonally—our program is built for exactly that type of risk. Coverage Highlights and Advantages Coverage is tailored to each boat and lifestyle, with options that may include: Agreed value or actual cash value hull coverage Liability protection including pollution and wreck removal Personal effects and emergency towing Uninsured/underinsured boater protection Flexible navigation limits and lay-up options We understand the nuances of marine insurance and help agents navigate the underwriting process swiftly and efficiently. Underwriting Notes and Minimum Premiums The minimum premium starts at $100, making this program accessible for entry-level boat owners while still offering robust solutions for high-value yacht portfolios. There are no sign-up fees and no minimum production requirements for agents. Appointment forms are available through our agent portal at www.quotecommand.com. We're here to help you write and retain marine business with confidence. Territories and Availability We are licensed and actively writing in all 50 states, including coastal and inland markets. Whether your client is based in Florida, California, the Great Lakes region, or anywhere in between, we have a solution that fits. Why Work With Global Marine Insurance With decades of marine-only experience, Global Marine Insurance offers unmatched expertise in this niche. Our dedicated team understands the unique risks your boat and yacht clients face and has the carrier relationships to deliver competitive, reliable solutions. From quoting to servicing, we make it easy for agents to grow and support their marine insurance book. If you have any questions or would like to speak with a member of our sales team, call us toll-free at (800) 748-0224 or visit us online at globalmarineinsurance.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for personal and commercial clients with recreational boats, cruisers, sailboats, sport fishers, motor yachts, and luxury yachts. High-value vessels and clients with complex navigation needs are also a great fit. Is there a minimum premium requirement?Yes, the minimum premium starts at $100, making it accessible for smaller boats while still supporting larger vessels with more complex coverage needs. Do I need to meet production requirements to access this program?No, there are no minimum production requirements or sign-up fees to work with Global Marine Insurance. Which states is this program available in?The program is available in all 50 states, including coastal regions, inland waterways, and Great Lakes territories. What carriers does Global Marine Insurance work with?We offer access to A-rated carriers including ACE, AIG, American Reliable, Geico, Markel, Progressive, and Travelers. Need help placing an account? Connect with a market specialist.

Yacht Insurance Maritime Program Group's Yacht Insurance programs reach all types and sizes of yachts. Our comprehensive programs, deep coverage areas, and extended navigation solutions are designed for the serious yachtsman. With more than 15,000 yachts protected under MPG programs and 20+ years of underwriting experience, our teams provide practical underwriting and placement solutions for brokers and their clients. Overview Maritime Program Group (MPG) is a managing general agency specializing in yacht and recreational marine risks. We provide direct access to admitted and non-admitted capacity through established carrier partners including New Hampshire Insurance Company, AIG, Markel and Osprey. Our Yacht Insurance program is built to handle everything from owner-operated coastal cruisers to multi-million-dollar luxury and mega yachts with complex exposures. Ideal Accounts and Appetite MPG is focused on insureds who require specialized marine underwriting and claims service. Typical fits include: Private yachts and cruisers used for pleasure and private charters (subject to underwriting) Luxury and mega yachts requiring high-value hull, liability and yacht tender limits Owners and professional crews looking for robust liability and crew coverage Yachts with extended navigation needs, higher horsepower, or sophisticated equipment We are less likely to accept routine commercial fishing operations, unlicensed or undocumented charter vessels with unconventional operations, or heavily modified vessels outside usual recreational configurations — but each risk is considered with an underwriting review. Coverage Highlights and Advantages MPG’s yacht programs emphasize broad, market-competitive coverage and service features agents rely on: Access to admitted and non-admitted placement options in most markets Hull, machinery, protection & indemnity (P&I), medical payments, crew coverage, and agreed value options Extended navigation ranges and bespoke endorsements for equipment, tenders, and special exposures Work directly with in-house underwriters who have trades experience and hands-on knowledge Policies and endorsements issued directly by MPG with a dedicated in-house claims unit Instant online access to quotes, commission reports, endorsements and policy reprints Direct or agency billing with credit card payment options and transparent transaction detail Industry-specific loss prevention tools and proactive risk-management guidance Underwriting Notes Submissions should include a current hull survey or recent condition report, vessel specifics (LOA, year, builder, propulsion), navigation limits, prior loss history, and crew qualifications when applicable. MPG underwriters can advise on acceptable navigation territories and whether admitted or non-admitted placement is appropriate for a particular account. Minimum premium requirements vary by carrier and state — submit the risk for a formal indication. Territories and Availability This program is available in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and product form may vary by state and market. Why Work With Maritime Program Group As an MGA dedicated to marine risks, MPG offers underwriting continuity, speedy turnaround, and direct access to experienced underwriters who understand yachts and their unique exposures. Our carriers provide strong capacity for high-value yachts while our claims unit and loss prevention resources support both brokers and insureds through placement and post-incident service. For agents looking to place higher-end recreational marine accounts, MPG combines market access with specialty expertise. Solutions For: Yacht Luxury and Mega Yachts Example accounts you might place: a 60-foot owner-operated cruiser needing extended Caribbean navigation and agreed value hull coverage; or a 120-foot mega yacht requiring high-limit P&I, crew coverage, and specialized equipment endorsements. Submit full details so MPG underwriters can provide the best placement option. Don't hesitate to call Maritime at (800) 366-8086 for all of your Yacht Insurance needs! Frequently Asked Questions What types of yacht accounts are a good fit for MPG’s program?Typically private pleasure yachts, luxury and mega yachts, and owner-operated cruisers that require specialized hull, liability, and crew coverages. MPG will review higher-risk operations case-by-case. Which states and markets are available?MPG writes in most U.S. states. See the program availability list for specific state participation, and note that admitted vs. non-admitted placement can vary by state and carrier. What submission information speeds underwriting?Provide vessel specs (LOA, year, builder), propulsion and horsepower, navigation limits, recent hull survey or condition report, prior loss history, and crew qualifications. This allows underwriters to evaluate exposures and offer appropriate endorsements. How does MPG handle claims and endorsements?MPG maintains a dedicated in-house claims unit and issues policies and endorsements directly, which helps accelerate handling and ensures consistent communication between brokers, underwriters and claims staff. Need help placing an account? Connect with a market specialist.