Marine Insurance Quote
From Dock To Destination, SMG Boats has you covered.
We provide coverage you can count on. At Inertia Marine, we help you protect what matters with marine insurance policies tailored to your vessel, lifestyle, and budget. Whether you’re cruising the coast, heading offshore, or spending weekends at the sandbar, we’ve partnered with top-rated marine insurers to make sure you’re covered, bow to stern.
Specialized Marine Coverage
We work with trusted marine-specific providers who understand the unique risks and needs of boaters.
Custom Quotes
From personal watercraft and pontoons to sport boats and more, we’ll match you with a policy that fits your vessel, usage, and protection goals.
Typical Coverages Include:
Personal Coverage
Covers you and your passengers for medical expenses and liability, regardless of fault.
Boat
Protects your vessel’s hull, machinery, and onboard equipment against damage or loss.
Motor
Ensures engines and propulsion systems are covered—whether outboards or inboards.
Trailer
Adds physical damage protection for your trailer during transport or storage.
Medical & Physical Damage
Covers medical bills and repairs from accidents, plus damage to the boat and motor.
FAQ's
Frequently Asked Questions
Here are our most frequent questions when it comes to insuring your boat. If you have another question, feel free to contact us here.
Do I need marine insurance?
While marine insurance isn’t always legally required, it’s highly recommended to protect your investment. Many lenders require coverage when financing a boat, and marinas often ask for proof of insurance to access their facilities. Even if it’s optional, having a policy helps safeguard you against costly repairs, liability claims, and unexpected events—on or off the water.
What are the benefits of insuring my boat with Inertia Marine?
With SMG Boats, you gain access to trusted marine insurance providers who understand the unique needs of boat owners. We’ll help you find coverage that protects your boat, motor, trailer, and equipment—plus liability protection for you and your passengers. Our goal is to make the process simple, competitive, and customized to how you actually use your boat.
Can I insure a used boat?
Absolutely! Used boats can be insured just like new ones. Policies typically cover the same risks, including accidents, theft, storm damage, and liability. Coverage options and rates depend on your boat’s age, condition, and value, but our team will help you find a plan that offers the right level of protection at the best possible rate.
What factors into the cost of a policy?
The cost of a marine insurance policy depends on several factors, including your boat’s age, type, value, and horsepower, as well as where and how you plan to use it. Your boating experience, claims history, and selected coverage limits also play an important role. By reviewing your needs and comparing options, we help you secure the right balance of protection and affordability.