Why NBOA · The broker difference

We work for you,
not for one carrier.

When you call Progressive, they offer you Progressive. When you call NBOA, we shop every A-rated carrier — and tell you which one is the right fit.

The broker difference

One call, every option.

When you call Progressive, they offer you Progressive. When you call BoatUS, they offer you BoatUS. When you call NBOA, we shop Progressive, Chubb, BoatUS, and more.

That's not a small difference. Marine insurance pricing and coverage vary dramatically by carrier. A policy that's ideal for a 24-foot center console in a freshwater lake is completely different from what a 42-foot flybridge in coastal Florida needs. Carriers specialize. The right match matters.

Side by side

What you get with NBOA.

Going direct to a carrier
One company's rates and coverage only
Going through NBOA
Multi-carrier comparison across the whole market
Going direct to a carrier
No advocacy at claim time
Going through NBOA
We work with your carrier directly on your behalf
Going direct to a carrier
May not offer coverage for your vessel type or waters
Going through NBOA
Bahamas, Turks & Caicos, offshore, high-performance — we cover it
Going direct to a carrier
Progressive won't insure boats over 35ft or $175K in Florida
Going through NBOA
No coverage cap restrictions — we find a carrier who says yes
Going direct to a carrier
No membership, no towing, no lifestyle benefits
Going through NBOA
NBOA membership adds towing, discounts, storm alerts
The Progressive Florida gap

Something your direct carrier won't tell you.

Progressive — the largest boat insurer in the US — will not insure vessels over 35 feet in length or valued over $175,000 in hurricane-prone states, including Florida. If your center console, sportfish, or yacht falls outside those limits, Progressive will decline.

NBOA will find you a carrier who won't.

Our track record

40 years of doing only this.

Founded in Sarasota, Florida in 1984, NBOA Marine Insurance Agency has specialized exclusively in marine coverage for over 40 years. We've insured everything from freshwater bass boats to offshore sportfishers to Bahamas-bound yachts — and we've helped customers through claims from engine failures to hurricanes.

Named by MarketWatch, Money.com, and CNBC Select as a top pick for multi-carrier marine insurance. A+ BBB rating. Over 95,000 insured boaters nationwide.

Ready to see what we'd quote your boat?

Five minutes, multi-carrier, no login required.