Need a boat insurance quote regardless of your state from a reputable insurance company? We've searched and compared dozens of online boat insurance companies in order to find you the best prices, services, and coverage when it comes to your new boat insurance policy. Some states require that boat owners and/or drivers carry boat insurance. In most cases, lenders require boat owners to carry liability insurance during the loan of the term. In either case, carrying boat insurance is a small investment to protect not only your property, but the people you care about.