Boat & Marine Insurance for Louisiana's Boaters

Protect Your Watercraft, Yourself, and Your Passengers

Whether you cruise Lake Pontchartrain, fish the bayous, or enjoy weekends on your PWC, State Insurance Services helps Louisiana boaters find the right marine insurance-covering you for liability, storm damage, theft, and more.

Essential Protections for Your Vessel

Liability Coverage

Protects you if you cause injury or damage to others while boating-required by most marinas, and vital for peace of mind

Physical Damage (Hull Coverage)

Pays to repair or replace your boat if damaged by collision, storms (including hurricanes), theft, vandalism, or fire

Personal Watercraft (PWC) Insurance

Coverage for jet skis, Sea-Doos, WaveRunners, and more-tailored to your watercraft's specs

Trailer Coverage

Optional-protects your trailer from theft, collision, or damage while towing or parked

Gear & Equipment

Protects fishing gear, electronics, safety equipment, and personal items onboard (limits vary by carrier)

Towing & Assistance

Coverage for emergency towing or on-water assistance

Know Your Settlement Option

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Agreed Value:
You and the insurer agree on a set value for your boat-easier claims, no depreciation deduction

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Actual Cash Value:
Pays the market value at the time of loss-may be less after depreciation

 We'll help you choose the settlement type that's right for your vessel and budget.

Factors That Impact Your Premium

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Boat type (bass boat, bay boat, pontoon, jet ski, PWC, etc.)

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Year, make, and horsepower

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Where and how you use it (freshwater, coastal, marina storage, trailering)

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Safety features (alarms, GPS, tracking, certifications)

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Operator's age, experience, and claims record

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Coverage selections and deductibles

State Laws & Marina Requirements

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Louisiana does not require boat insurance by law, but lenders do for financed boats, and most marinas require proof of liability coverage to dock or store a vessel

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Marinas, tournaments, and some public launches will ask for a Certificate of Insurance-be ready with proper documentation

Why Louisiana Boaters Choose State Insurance Services

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Multiple carriers, one call-compare options for every vessel, from jon boats to jet skis

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Local, 5-star rated support-real agents who understand Louisiana waters and storm risks

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Easy mid-policy changes and fast claims help-file directly with us or your carrier

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Guidance on coverage for all watercraft-boats, PWCs, fishing, and specialty vessels

Simple Checklist

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Year, make, model, length, and horsepower

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Type of boat (bass, pontoon, bay, PWC, etc.)

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How you use it (pleasure, fishing, coastal, tournaments, marina storage)

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Where it's kept (address, marina, or trailered)

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Desired coverages (liability, full hull, gear, trailer, etc.)

Or call (225) 644-4440 for quick, local advice.

Make Filing Easy, Get Paid Faster

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Keep vessel photos, serial/HIN numbers, and receipts for upgrades/accessories

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Report incidents to us or your carrier immediately-get guidance and support

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Have proof of insurance on hand for marinas, tournaments, or police checks

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Boat Insurance Questions-Answered

  • Is boat insurance required in Louisiana?

    Not by law, but it's required by most lenders and marinas.

  • Does boat insurance cover hurricane damage?

    Yes-if you select physical damage/hull coverage (deductibles may apply for named storms).

  • Does boat insurance cover my trailer?

    Optional-trailer coverage can be added for theft, collision, or other damage.

  • Can you insure jet skis and PWCs?

    Absolutely-personal watercraft coverage is available.

  • How do I file a claim?

    Contact us or your carrier with details, photos, and serial numbers-we'll help every step.

Ready for the Water? Get a Boat Insurance Quote Today

We'll find coverage for your boat, jet ski, or PWC-so you're protected, on and off the water.