Sailboat insurance,
for sailors.

Sailboat insurance is its own discipline. The risk profile of a 32-foot sloop making an offshore passage is completely different from a powerboat running near shore — and the policy needs to reflect that.

NBOA works with carriers who understand sailing: rigging replacement, ocean passage navigation limits, liveaboard endorsements, and the particular coverage needs of bluewater cruisers.

What your sailboat policy includes.

• Liability from $100,000 to $1,000,000 and above
• Agreed Value hull coverage — protects against depreciation on total loss
• Rigging coverage — mast, boom, standing and running rigging
• Sails and canvas coverage
• Personal property and onboard equipment
• Offshore navigation extensions — Bahamas, Caribbean, Atlantic passage
• Liveaboard endorsements
• Uninsured boater protection
• Towing and emergency on-water assistance

Things only sailors ask about.

• Carbon fiber mast coverage — some carriers require a separate deductible; NBOA helps you plan for this
• Navigation limits — coastal, offshore, and ocean passage plans vary significantly by carrier; NBOA matches your range to the right policy
• Catamarans — some carriers won't write catamaran policies in Florida; NBOA works with carriers who specialize in multihull coverage
• Sailboats typically receive a rate credit vs. comparable powerboats — lower speed means lower risk
• Boating safety course completion earns additional discounts on most sailboat policies

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