Cabin cruiser insurance.
Your boat is also your home.
You're not just running out for the day — you're staying overnight, cooking in a galley, hosting guests in the salon. The coverage needs to match.
A cabin cruiser is a different kind of investment — and a different kind of lifestyle.
NBOA Marine Insurance offers cabin cruiser policies that cover the complexity of vessels designed for extended stays on the water. From express cruisers to full-beam liveaboards, we work with carriers who understand that your boat is also your home away from home.
What your cruiser policy includes.
- Agreed Value hull coverage — protects your full investment regardless of market depreciation
- Galley, interior, and cabin equipment coverage
- Personal property and belongings aboard
- Liability coverage from $100,000 to $1,000,000 and above
- Overnight and extended navigation endorsements
- Towing and emergency on-water assistance
- Marina guest coverage — protects visitors aboard your vessel
- Navigation extensions — coastal, offshore, Bahamas
Things cruiser owners ask about.
Extended navigation. Cabin cruisers travel farther and stay out longer than day boats. Navigation limits on your policy must reflect where you actually cruise — not just your home port.
Increased liability exposure. Guests aboard overnight vessels create additional liability. NBOA works with carriers who offer broader permissive user and guest coverage for cruiser owners.
Liveaboard endorsements. If your cabin cruiser is your primary residence, specific liveaboard endorsements are available that address the unique risks of full-time life aboard.