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Marine Insurance You Can
Actually Afford.

As a licensed insurance agency, we shop multiple A+ rated carriers to find you the right coverage at the best price — protecting your vessel and your investment.

Get a Free Quote Today

Coverage Built for Boaters

Most insurance agents don't understand boats. We do. Diverse Offerings Finance is a licensed insurance agency staffed by marine industry veterans who know exactly what coverage you need — and what you don't.

We work with multiple A+ rated carriers and shop your policy across all of them to find you the most competitive premium for the right amount of coverage. No one-size-fits-all policies. No overpriced packages.

Whether you own a bass boat, a center console, a cabin cruiser, or a luxury yacht — we have the right program for you.

Marine insurance boat coverage

What We Cover

Hull & Machinery

Physical damage to your boat, motor, and equipment from accidents, theft, fire, sinking, and more.

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Liability Coverage

Protection if you're found responsible for bodily injury or property damage to others on the water.

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Uninsured Boater

Covers your medical expenses and damages if you're hit by another boater who doesn't have insurance.

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On-Water Towing

Emergency towing and roadside assistance on the water — so a breakdown doesn't ruin your day on the lake.

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Personal Effects

Coverage for fishing gear, electronics, personal items, and equipment kept on board your vessel.

Agreed Value vs. ACV

We'll help you choose between agreed value and actual cash value policies — so you get paid what your boat is actually worth.

The Diverse Offerings Difference

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A+ Rated Carriers Only

We only work with financially strong, A+ rated insurance companies — so you know claims will be paid when you need them.

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We Shop Multiple Carriers

Unlike a captive agent who sells one company's products, we compare quotes across multiple insurers and find you the best deal.

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Bundle & Save

Finance and insure your boat through us and you may qualify for bundled savings. One relationship, better rates across the board.

Marine Insurance FAQ

Is boat insurance required in Georgia?
Georgia does not legally require boat insurance, but most lenders require you to carry insurance on a financed vessel. Regardless of legal requirements, having proper coverage protects your investment and your liability on the water.
What types of boats do you insure?
We insure all types of recreational watercraft including bass boats, pontoons, center consoles, cabin cruisers, ski boats, personal watercraft (jet skis), and luxury yachts.
How much does marine insurance cost?
Premiums vary based on the type and value of your vessel, how and where you use it, your boating experience, and coverage levels. Most boat owners pay between $300–$1,200 per year for a typical recreational vessel.
Can I get a quote if I already have a boat loan?
Absolutely. We can quote and bind insurance for any boat regardless of who holds the loan. We just need the lender's information to add them as a loss payee.
How quickly can I get coverage?
In most cases, we can bind coverage the same day. If you're buying a boat and need proof of insurance before the dealership will release it, we can handle that quickly.

Get Your Free Marine Insurance Quote

Our licensed agents will shop the best carriers and find you the right coverage at the right price.

Request a Free Quote Now