Everything You Should Know About SkiSafe Insurance


Welcome to SkiSafe. We’re an insurance program manager that is 100% dedicated to recreational boating - providing tailored policies that give your boat and/or watercraft the coverage it deserves. 

This hyper-focused approach reverses the traditional model and makes insurance simple, transparent, and affordable. Ready to learn more? 

Our Story

SkiSafe has exclusively served the boat and jet ski & PWC community for over 40 years! With 500,000+ insured boaters, our team has the experience and expertise to keep you well protected against a myriad of perils. 

We are fully licensed, which means we underwrite, sell and service policies (as well as adjust all claims). We offer policies for various vessels - including bass outboardscenter consolesinboard motor yachtspontoonsPWC/jet skissailboatsski & wake inboardsyachts, and more. 

Discover Our Difference 

Specialized Insurance = Personalized Service  

SkiSafe is a specialized insurance market, focusing exclusively on pleasure boating and personal watercraft. Our team of underwriters and adjusters are seasoned experts within the boating community. We’re here for you every step of the way, making for a more personalized insurance process. 

Increased Access 

A SkiSafe boat insurance policy delivers increased access to a robust inventory of options. For a complete list of coverages and discounts, we recommend getting a quote. After buying the policy, we’ll immediately send your new policy by email.

» MORE: How to Get a Free Boat Insurance Quote

Seamless Experience  

Our internal frameworks and external processes are designed to provide the best, easiest insurance experience in the industry. We’re an insurance provider that’s built for the 21st century, meaning everything can be done online. You can review and change your coverage, deductible, and more. 

Learn more about insurance premiums and deductibles with SkiSafe.

FAQs For SkiSafe Boat Insurance Policies 

How do you calculate the cost of my policy?

Prices for SkiSafe policies vary depending on  a number of different factors relating to the boat and the policyholder - including craft value, age and location, as well as your insurance history, previous claims, experience, and more. 

Here are other common considerations that could affect your policy price: 

  • Increased coverage = higher premiums
  • Higher deductibles = lower premiums
  • Previous claims will increase the policy premium, and in some cases even make coverage unavailable
  • Boats in low-risk areas cost less to insure
  • A clean driving record will get you a discount 
  • Taking a boat safety course will get you a discount

Can I lower my policy price? 

Your policy price (otherwise known as the premium) is heavily affected by the policy’s coverage limits. A higher deductible (the amount deducted from a covered claim payment) may lower your premium amount. 

When purchasing a policy, it’s important to consider how much you’re willing to pay out-of-pocket for a claim versus how much you’re willing to pay toward the premium every year.

This is where you will evaluate your own risk. The higher amount you are willing to cover via the deductible will translate to a lower policy price and vice versa.

» MORE: Insurance Premiums and Deductibles - Explained

In addition, your rate may be reduced if you qualify for a discount. For example, if you boat in an area that is less susceptible to weather-related damages. 

Here is a list of some popular SkiSafe discounts:

  • Take a qualified boating safety course
  • You have a clean driving record
  • You only navigate in protected waters
  • You insure multiple crafts with us 
  • Winter layup
  • Sufficient boating experience  

If I have bad credit, will my premium be affected?

No. We will never check your credit score or pull a credit report. 

Other insurance companies may penalize people with poor credit and increase their premiums. At SkiSafe, our rates do not take this data point into account. 

What do SkiSafe boat insurance policies cover?

A SkiSafe boat insurance policy may cover your boat (or personal watercraft) and property for damages caused by things like fire, theft, collision, weather, vandalism, and more. It can also protect you against liability claims for damages you accidentally cause others.  

Here is a list of popular coverage options:

  • Towing & Roadside Assistance
  • Agreed Value
  • "All Risk" - Fire, Theft, Collision
  • Bodily Injury & Property Damage Liability
  • Medical Payments
  • Personal Property & Equipment
  • Cost of Defense - Unlimited
  • Hurricane Haul-Out
  • Marinas as Additional Insureds
  • Tenders / Dinghies
  • Disappearing Deductibles
  • Environmental / Fuel Spill / Pollution

Learn more about SkiSafe coverage options. 

Contacting Us

If you want to get a SkiSafe policy, click here to get started. Otherwise, you can always get in touch with our team through email, phone, or the live chat feature on our website.  

  • To reach us via email, you may contact customer@skisafe.com.
  • To reach us via phone, dial (800) 225-6560.
  • To speak to a representative via live chat, head to our website.

SkiSafe also works with a network of producers that can help you to get a policy or adjust a current one. 

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