Insurance products
Collector boat insurance

Get a quote through our direct client website or call one of our classic boat experts.

For over 35 years, Hagerty has been committed to helping you protect your client's boats. We'll give your clients peace of mind that their boats are protected so they can enjoy the open water without worry.

What qualifies

Fiberglass boats

Most collectible fiberglass boats that are older than 1990 will be considered. The most collectible fiberglass boats are early generation models, have unique design or had a limited production run.

Wooden boats

Hagerty proudly offers an insurance program to protect most classic wooden boats. Whether your client owns an original Chris-Craft, Century, Gar Wood or a high-quality reproduction of a classic boat, we have a program for it. If it’s collectible, made of wood and in good to excellent condition, our program likely protects it.


Runabouts typically range in size from 14’ to 33’ and are characterized by a closed top deck with individual cockpits for seating. Examples include barrel back designs, larger triple cockpits and gentleman’s racers.


Utilities typically range in size from 12’ to 30’ and are characterized by a large open interior with only the top deck forward of the windshield. They are some of the most popular designs, as the open interior lends them to a wide range of activities.


These vessels range in length from 16’ to 30’. They are an open configuration usually with seating able to accommodate several passengers. The earliest versions were powered by steam with later versions having small single cylinder gas powered engines.


Typically range from 26' on up and include a head (bathroom), galley (kitchen) and can accommodate overnight stays. Cruisers made of fiberglass, wood, steel or aluminum are eligible, however eligibility may be restricted in certain coastal areas. A minimum $10,000 hull value is required. A professional, out of water marine survey less than three years old is required.


Wooden hulled sailboats range from 12’ open boats to much larger vessels with full cabin facilities. There are several specific design types: Yawl, Gaff rig, Cutter, Catboat, Sloop and many others. An Out-of-Water survey may be required for sailboats over 26ft. Club racing is permitted.

Program features

Agreed value

If your clients suffer a covered total loss, they receive the full agreed value the boat is insured for*.

Club discounts

Members of most established collector boat clubs may enjoy a discount.**

Pleasure usage

We encourage pleasure usage, with customizable navigational territories available to match your client's boating needs.

Unlimited land transportation

Wherever your client takes their boat their coverage goes with them, even when it’s on the trailer on the way to the lake or in storage for the off-season. We offer unlimited overland transportation within the United States and Canada.

*Less any salvage value if vessel is retained by you after a loss. Agreed Value includes all taxes and fees unless prohibited by state law.

**Some boats may be referred to our partner and a discount will not apply.

Ineligible risks

  • Boats with exposed engines
  • Houseboats
  • Commercial use
  • Boats held for sale
  • Corporate ownership
  • Boats over 26ft with a metal hull
  • Boats over 26ft kept in coastal regions from TX to NC

Owner qualifications

Boating experience

Hagerty requires that the owner have a minimum of three years operating experience with a boat of comparable size and type.

Prior boating losses

Not more than one prior boating loss in three years.

Automobile driving record

All operators must have five or more years of driving experience and not more than two minor violations in three years; no major violations in five years.

Administrative requirements


Current, good quality and clear photographs are required for all boats. Photos should include all sides of the boat, the interior and the engine.


Hagerty will provide you with an application that must be completed and signed by both you and your client.


Depending on the boat type, we may request that a survey of the boat be completed by a licensed SAMS or NAMS certified surveyor. The survey must be completed for the person requesting a quote.


Make payment with most major credit cards or ACH payments over the phone.

Hagerty is a registered trademark of the Hagerty Group LLC, ©2024 The Hagerty Group, LLC. All Rights Reserved.

This is a general description of coverage. Additional terms, conditions and exclusions apply to all coverages. Insurance and discounts are subject to availability and qualifications and may not be available in all states.

Policies underwritten by Essentia Insurance Company or Markel American Insurance Company.