• Dan Frankel

Boat Owner FAQs

Updated: May 25

Owning a boat leads to a long list of questions that many people never consider. Check out these frequently asked questions for explanations about boat insurance terms and coverages.




What types of boats does Acacia Insurance insure?

We offer insurance on a broad range of outboard motor boats, inboard boats, stern drives, jet drives, sailboats, houseboats, and personal watercraft, plus the boat equipment and trailers used in connection with any of the above.


How can I save money on my boat insurance?

Acacia Insurance is committed to safe boating, so we reward our clients with discounts on certain boat insurance coverages (subject to individual qualification and state availability):

  • Safety course discounts. These are available to boaters who complete approved courses or programs given by the U.S. Coast Guard Auxiliary, U.S. Power Squadron, and National Association of State Boating Law Administrators (NASBLA).

  • Protective device and boat monitoring discounts. You’ll save if your boat is equipped with a GPS locator/position alert system, radar system, burglar alarm, vapor detection system, or built-in CO2 fire extinguishing system, among others.

  • Save if you have a Vessel Safety Check (VSC) performed by the US Coast Guard Auxiliary at your boat, and when you pass.

  • Multi-policy discount. Save more when you have two or more policies, including boat, auto, and home.

  • Deductible savings. When you raise your deductible, you’ll lower your premium.

What type of losses does a boat policy cover?

You and your boat will be well protected with boat insurance from Acacia Insurance. Losses from the following are typically covered:

  • Hurricane

  • Theft

  • Flood

  • Fire

  • Sinking

  • Collision and more

Ready to learn more?

Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.



The insurance policy, not this Web site, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions, and limitations that are not detailed in this Web site. Coverages may differ by state.


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