Boat Type and Size
Your boat's type, length, horsepower, and value are the biggest factors in your rate.
Get A QuoteBOAT INSURANCE · CHICAGO & LAKE GENEVA
Boat Insurance in Chicago and Lake Geneva
Boat insurance for Chicago-area and Lake Geneva boaters, from pontoons and fishing boats to sailboats and personal watercraft. Our local team, rated 4.8 stars with over 1,000 reviews, helps you protect your boat on Lake Michigan, the Chain O'Lakes, or Geneva Lake.
1,000+ reviews
Licensed in IL, WI, IN
Call for a free quote
(847) 306-8660
BOAT INSURANCE BASICS
What Does Boat Insurance Cover?
Boat insurance covers your boat and equipment against physical damage like a collision, fire, or theft, on and off the water. It also includes liability if you injure someone or damage their property, plus medical payments for you and your passengers.
- Physical Damage Coverage
- Liability Protection
- Medical Payments
- Trailer and Equipment Coverage
YOUR POLICY
What Affects Boat Insurance Rates?
Your premium depends on your boat, where you use it, and your experience on the water.
Where You Boat
Lakes, rivers, and Lake Michigan carry different risks, and your rate reflects that.
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Boating Experience
Years on the water and a boating safety course may help lower what you pay.
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Serving IL, WI & IN since 2007
GOOD TO KNOW
What Is Not Covered by a Standard Boat Policy?
Standard boat policies have a few common exclusions. Knowing them helps you avoid surprises.
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Normal Wear & Tear
Gradual wear, corrosion, and mechanical breakdown are not covered.
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Manufacturer Defects
Factory defects and recalls are the manufacturer's responsibility.
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Racing & Competitions
Damage during races is typically not covered by a standard policy.
CUSTOMER REVIEWS
Highly Reviewed Boat Insurance Agency in Chicago
4.8 stars on Google and over 1,000 reviews from customers in Chicago, and across Illinois, Wisconsin, and Indiana.
I am completely satisfied with every facet of my filing a claim. It was quick and efficient and the two agents I spoke with directly were wonderful.
Lois U.
Great service, great deals, great response time.
Donnel M.
They are always helpful and responsive. As a long time policy holder I'm very happy with them.
David W.
I have been with the Tunnell agency almost 20 years. They truly understand building a long-lasting, trusting relationship.
Kashif A.
Good, things were handled in a very timely manner.
Eric G.
A full-time agent who knows you makes a difference. Friendly staff, and they always take the time to answer.
Frederic T.
HOW IT WORKS
Getting Protected Is Simple
Three steps with a local Chicago-area agent. No call centers.
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Tell us what you need
Share the make, model, year, and where you keep it. It takes a couple of minutes.
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Talk it through with us
A local agent explains your coverage options in plain English, with no pressure.
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Get covered
Choose the coverage that fits. Our team reviews it with you before each season.
LOCAL CLAIMS HELP
Local Help When Your Boat Is Damaged
After a storm on the lake or a run-in at the dock, you do not want a 1-800 number. You want a local agent who knows you and your boat. That is our team in Park Ridge, Burr Ridge.
Local advisors
Talk to someone who knows your neighborhood, in English, Spanish, or Polish.
Local claims help
Real help from our team the day you need to file a boat claim.
Community first
Our agency supports Park Ridge Baseball and Softball, Friends of the Parks, and Compass to Care.
TYPES OF BOATS WE INSURE
Pontoons, Fishing Boats, Sailboats, and More
Whether you prefer Lake Michigan, Geneva Lake, or a quiet river, our team helps cover the boat you own.
Pontoon Boats
Coverage for pontoons used for cruising and entertaining on area lakes.
Fishing Boats
Coverage for your boat and fishing equipment, on the water and in storage.
Sailboats
Coverage options for sailboats, including the mast, sails, and rigging.
Jet Skis
Coverage for personal watercraft, including liability when you ride.
Larger Boats
Higher-value boats need higher limits. Our team helps you set coverage that fits.
Kayaks and Canoes
Ask how smaller boats like kayaks and canoes can be covered.
BEFORE YOU HIT THE WATER
Coverage Tips for Illinois and Wisconsin Boaters
Before the season starts, check that your coverage fits how and where you boat.
Seasonal Storage Coverage
Ask how your boat is covered while it is winterized and in storage.
Trailer Coverage
Protect your trailer against theft and damage on land and on the road.
Towing and Assistance
Help with on-water towing and fuel delivery if you get stranded.
Fuel Spill Liability
Accidental fuel spills can be costly. Ask how your liability coverage applies to cleanup.
Guest Passenger Coverage
Medical payments coverage can help if a guest is hurt on your boat.
BUNDLE AND SAVE
Bundle Your Boat and Auto Insurance
Keeping your boat, car, and home with one local agency means one team that knows your coverage. Ask which multi-policy discounts apply.
ONE TEAM FOR EVERYTHING
Your boat, auto, and home policies reviewed together every year.
LOCAL HELP ON THE WATER
We help Wisconsin boaters in person
BOAT INSURANCE QUOTES
Ready To Get on the Water?
Get a free boat insurance quote from a highly reviewed agency with offices near Chicago.
- 1,000+ reviews
- Free boat quotes
Get Your Free Quote
Is Your Boat Covered Enough?
A free coverage review before the season starts can turn up gaps in your storage, trailer, or liability coverage.
- Free coverage review
- Call (847) 306-8660
- Request a Quote
Physical damage to your boat and equipment, liability if you injure someone or damage property, and medical payments for you and your passengers.
Neither Illinois nor Wisconsin requires it for most boats, but marinas and lenders often do.
Physical damage coverage can apply while your boat is stored. Ask our team how your policy handles the off-season.
Yes. We help cover pontoons, fishing boats, sailboats, and personal watercraft like jet skis.
Yes. Our office is at 728 Wisconsin St. Call (262) 248-0861.
Call (847) 306-8660, use the form on this page, or visit our Park Ridge, Burr Ridge office.
