Pontoon Boat Insurance

Pontoons are made for easy days and good memories. Insurance should be just as smooth. With IronPoint’s pontoon boat insurance, you’ll get comprehensive coverage for damage, liability, theft, and gear—all at rates that won’t sink your budget.

Get protected for as little as $100/year with flexible, activity-friendly coverage that moves with you from cove to cove.

What Is Pontoon Boat Insurance?

Pontoon boat insurance is specialized protection that covers physical damage, injuries, liability, and theft for your watercraft. Unlike standard boat insurance policies, it’s tailored specifically to pontoons—those lightweight, spacious, and family-focused vessels that bring together the people who matter most.

Most marinas, lenders, and storage facilities require it, and it fills crucial gaps that homeowners insurance leaves behind.

Because pontoons carry more than passengers—they carry your people.

What Does Pontoon Insurance Coverage Include?

Our pontoon boat insurance coverage is designed with your on-water lifestyle in mind, protecting both your vessel and your peace of mind.

Core Coverages

• Collision & Comprehensive Damage: When the unexpected happens, we’ll cover repairs or replacement for your pontoon.
• Liability Coverage: If you accidentally damage someone else’s property or cause injury while operating your boat, we’ve got you covered.
• Medical Payments: Takes care of passengers hurt on board, regardless of who’s at fault.
• Uninsured Boater Coverage: You’re protected even if another boater hits you and doesn’t have adequate coverage.

Optional Coverages

• Onboard Personal Effects: Your cell phones, coolers, cameras, and clothing are covered against loss or damage.
• Fishing Gear & Tackle: Protection for your rods, tackle boxes, fish finders, and equipment—even when stolen or lost overboard.
• Water Sports Equipment: Tubes, ropes, and watersports gear stay protected on and off the boat.
• Emergency Towing & Fuel Delivery: When the engine won’t turn or you’re running on empty, help arrives without emptying your wallet.
• Trailer Coverage: Includes protection against theft or accident damage while transporting your pontoon.

Fun Comes Standard – Activity Coverage You’ll Appreciate

Tubing, kneeboarding, and casual wakeboarding aren’t just allowed—they’re included in your coverage. Your guests are protected for injuries during water sports, and your liability extends to most recreational uses.

While parasailing or air-tow sports may require additional coverage, almost everything else you love doing on your pontoon comes standard.

Whether you’re pulling the grandkids on a tube or casting lines at sunrise, your policy moves with you.

Special Coverages Designed for Pontoon Boaters

We’ve crafted premium protection options that address the unique needs of pontoon owners, ensuring you’re covered in ways that matter most when you’re on the water.

• Agreed Value Protection: If your boat is totaled, you’ll get the full insured value — not a depreciated estimate that leaves you underwater financially.
• No Depreciation on Partial Losses: When that new canopy tears or a fence rail gets damaged, you’re covered at replacement cost without depreciation eating away at your claim.
• Replacement Cost for Belongings: We’ll replace—not devalue—your lost or damaged gear, so you can get back on the water without compromise.
• Disappearing Deductibles: Enjoy 25% off your deductible for each claim-free year, potentially reducing it to zero over time.

Do I Really Need Pontoon Insurance?

While not required by law in most states, pontoon insurance is often mandated by marinas and lenders. More importantly, it protects you from financial pain when:

• Theft leaves your dock empty and your summer plans sunk
• Storm damage requires thousands in repairs
• Accidents happen, even to careful captains
• Guests enjoying water sports create liability exposures

Most homeowners policies exclude boats with larger motors or values over a certain threshold — leaving your pontoon vulnerable.

You bought your pontoon to relax. Insurance helps keep it that way.

How Much Does Pontoon Boat Insurance Cost?

Basic liability coverage starts at just $100–$250 per year, while full coverage typically ranges from $300–$600 annually. Several factors influence your specific pontoon boat insurance cost:

• Boat size and value
• Motor horsepower
• Location and storage method
• Your boating experience
• Claims history and activity use

Ways to Save:

• Complete a boater safety course
• Bundle with auto/home policies
• Store your boat off-season or in a secure marina
• Maintain a clean claims record

What Types of Pontoons Do We Cover?

Whatever your floating deck of choice, we’ve got you covered:

• Traditional pontoons
• Tritoons (three-tube pontoons)
• Fishing pontoons
• Luxury or party pontoons
• Pontoon-style deck boats

If your pontoon is under 50 feet and built to U.S. Coast Guard standards, we can likely insure it.

How to Get a Quote for Pontoon Boat Insurance

Getting your pontoon boat insurance quote is quick and straightforward. To receive the most accurate estimate, have this information ready:

• Boat year, make, and model
• Motor horsepower and engine type
• HIN (Hull Identification Number)
• Storage location (trailer, marina, backyard)
• Planned usage (fishing, tubing, cruising)
• Boating experience or certifications

Why Pontooneers Choose IronPoint Insurance

We speak boat—because we insure them every day. With access to top marine carriers, we can secure better coverage options tailored to your specific needs. We combine local guidance with national reach, providing easy claims processing and personal attention when you need it most.

No pressure. Just protection that fits.