A standard boat policy pays "actual cash value" — depreciated — and quietly caps towing, excludes breakdowns, and limits how far you can cruise. We insure your vessel for what it's truly worth, wherever you take it. See where a basic policy leaves you short.
Agreed value · Worldwide navigation · Marine specialists · No cost to compare
Tell us about your vessel and how you use it. We'll show the agreed-value shortfall a standard policy can leave, the coverage your boat actually needs, and the gaps worth closing — instantly.
Nothing is stored or shared. Rough estimates are fine.
Illustrative only — actual cash value, agreed value, coverages, and premiums vary by vessel, survey, navigation, and carrier. This is not advice or a quote; your First Underwriters marine specialist confirms the right program.
Marine insurance protects your vessel differently than anything on land. Click each to see what it means for you.
We're an independent brokerage that understands sailboats, motor yachts, sportfishers, and trawlers — and we work for you, not the insurer.
Advisors who know agreed value, navigation limits, and survey requirements — not generalists forcing your yacht into a template.
Since 1992 we've insured Puget Sound vessels and understand Alaska cruising, BC regulations, and named-storm concerns for offshore passages.
When something happens far from home, we coordinate surveyors, towing, and repairs — and advocate for you so you're back on the water faster.
Share a few details and a First Underwriters marine specialist will build the right program and follow up — usually within one business day.
A First Underwriters marine specialist will reach out shortly, usually within one business day, to build the right program and answer your questions.
First Underwriters Insurance Brokers is an independent brokerage. This page — including the interactive Vessel Coverage Checkup — is for general education only and is not an insurance quote, binder, or offer of coverage. Actual cash value, agreed value, available coverages, navigation territory, eligibility, and premiums vary by vessel, survey, use, and carrier. Coverage is subject to policy terms, conditions, and exclusions.
