BoatUS review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BoatUS suits US boat owners who want a specialist broker to place their cover and prefer paying it monthly. Policy cover runs to $1,000,000 and premium from $25 keeps the entry point modest, with claims handled on online and phone when a loss happens.
Key facts
- Best for
- US boat owners wanting broker-placed cover that can be paid monthly.
- Premium from
- $25 (Source, checked September 26, 2026)
- Provider type
- Broker (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $100 (Source, checked September 26, 2026)
- Cover limit
- $1,000,000 (Source, checked September 26, 2026)
- Claims channels
- Online, Phone (Source, checked September 26, 2026)
- Legal entity
- Boat Owners Association of The United States (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1966 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- boatus.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Excess starts at $100.
- Claims run on online and phone, so a loss can be reported online or by phone.
- Support runs on phone and help centre, so questions are answered by phone or in the help centre.
Cons
- BoatUS is a broker rather than the insurer, so the cover is underwritten by another provider.
- Premium from $25 is quoted in US dollars, so it is not a like for like comparison with euro or sterling listings.
Ready to try BoatUS?
Scored 8.9 / 10 by AssureCue.
Who it suits
- US boat owners who would rather have cover placed by a specialist broker than by a general insurer
- Owners who want the premium spread across the policy term rather than settled in a single payment
- Boat owners who weigh a low excess more heavily than the largest available cover limit
Who should look elsewhere
- Hiscox UK for readers who want an insurer in the UK rather than a US broker placing the policy
- bunq for anyone who wants an account priced at €0 rather than dollar-priced boat cover
The company behind it
BoatUS trades as the Boat Owners Association of The United States and is based in the US, having started out in 1966. It works as a broker for boat policies rather than carrying the risk itself, so the cover is placed with an underwriter. Support runs on phone and help centre, so help comes by phone or through the help centre.
How BoatUS compares
8.9 vs 9.4
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8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.0
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8.9 vs 8.9
8.9 vs 8.9
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8.9 vs 9.3
8.9 vs 8.6- 8.9 vs 9.3
8.9 vs 9.3Max Life Insurance
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
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8.9 vs 9.2
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8.9 vs 8.6- 8.9 vs 8.4
- 8.9 vs 8.2
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Where BoatUS is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does boat insurance from BoatUS cost?+
Premium from $25 is the published starting point, and the excess starts at $100, so the amount you fund yourself on a claim is set by that figure. Monthly payments are available, which spreads the cost across the policy term rather than a single annual payment.
Can I pay monthly instead of settling the premium at once?+
Yes, monthly payments are available, which is the clearest reason to hold a boat policy here. It also means the starting premium of $25 is spread across the term, so each payment is smaller than the full amount due in one go.
Is BoatUS an insurer or a broker?+
BoatUS is a broker. The legal entity behind the brand is the Boat Owners Association of The United States, and it arranges cover with underwriters rather than carrying every policy itself. Readers comparing an insurer such as Hiscox UK, a insurer, can weigh who ultimately holds the risk.
How much does the policy cover?+
The cover limit is $1,000,000, which is the ceiling for a single claim under the policy wording. The excess of $100 is the share of a settled claim that falls to you, so a lower excess reduces the amount paid out of pocket on a covered loss.
How do I report a claim?+
Claims run on online and phone, so a loss can be reported online or by phone, and the phone line also forms part of general support on phone and help centre. Reporting quickly matters because the excess at $100 applies to each settled claim.
Who is behind the BoatUS brand?+
The brand belongs to the Boat Owners Association of The United States, an organisation founded in 1966 and based in the US. It has kept a boat owner focus since its founding, and that specialism is why a boat policy is its main product.
Is BoatUS useful if I am not in the US?+
Premium from $25 is quoted in US dollars and the organisation is based in the US, so quotes and policy wording are shaped for a US market. Readers shopping elsewhere can weigh listed providers such as EuroAsia Insurance at UZS 60,000 before settling on a market.
How does this cost compare with other listed brands?+
The cost measure for this brand is 3.4, with premium from $25 and a 178 place out of 252 brands on that starting price. For contrast, bunq lists €0 and EuroAsia Insurance lists UZS 60,000, each in its own currency.
Sources
- boatus.com checked September 26, 2026
Backs: Legal entity
“(c) 2026 Boat Owners Association of The United States.”
- boatus.com/about-us/history checked September 26, 2026
Backs: Founded
“Dick Ellison joins Schwartz and they launch Boat Owners Association of The United States (BoatUS) based on a vision of service, savings and representation for the nation's boat owners.”
- boatus.com/faq/boat-insurance checked September 26, 2026
Backs: Claims channels, Cover limit, Monthly payments
“Policyholders can start the claims process quickly online using My Account at BoatUS.Geico.com/Account or through the BoatUS App. Policyholders may also call 800-937-1937 to speak one-on-one with...”
- boatus.com/insurance checked September 26, 2026
Backs: Provider type, Excess from, Support channels
“Boat and PWC policies are underwritten by GEICO Marine Insurance Company with administrative offices at 5323 Port Royal Road, Springfield, VA 22151.”
- boatus.com/products-and-services/membership/plans checked September 26, 2026
Backs: Premium from
“Basic Membership $25 per year”
- linkedin.com/company/boatus checked September 26, 2026
Backs: Headquarters
“Primary 5323 Port Royal Rd Springfield, Virginia 22151, US”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Insurance types.