Nebraska boat insurance

Outdoor enthusiasts and boaters can enjoy thousands of beautiful lakes throughout the Cornhusker State. From pontoons to sailboats, Progressive offers customized and affordable protection for you and your boat, on and off the water. Learn about boat insurance in Nebraska, including coverages, discounts, and cost information.

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Do you need boat insurance in Nebraska?

Boat insurance isn't required by Nebraska law, but some marinas may mandate boat liability coverage. In addition, if you lease or finance your watercraft, your lender may require comprehensive and collision coverages for your boat, which may pay to repair or replace your damaged or stolen watercraft.

Coverage	What it covers
Bodily injury and property damage liability	What it coversInjuries you're liable for and damage you cause to another boat or property while boating
Comprehensive	What it coversTheft, vandalism, fire, glass breakage, collisions with animals, and weather-related issues
Collision	What it coversCollisions with another watercraft, docks, or objects

If you own your boat outright and aren't required to carry liability coverage, protecting your watercraft investment — as well as your assets if you cause an accident on the water — can still be important for boaters in Nebraska.

How much is boat insurance in Nebraska?

In 2023, the average annual cost for a Progressive boat insurance policy in Nebraska was $277.56.^* However, Progressive offers boat insurance in Nebraska for as little as $100/year for a liability-only policy.^** Your cost for boat insurance depends on several factors, such as:

Type of watercraft: From pontoon boats to PWCs, your boat's unique features may influence your rate
Boating experience: Experienced boaters may pay less for boat insurance than boaters new to operating a watercraft
Claims history: If you've filed an insurance claim in the past, regardless of fault, you may pay more for a boat policy
Horsepower: A powerboat with a large engine may cost more to insure than a sailboat with a smaller engine

Boaters in Nebraska can save on boat insurance by bundling insurance policies with Progressive. Get a multi-policy discount when you combine boat insurance with auto, homeowners, renters, or motorcycle.

How to lower the cost of boat insurance in Nebraska

Whether you live in Scottsbluff, Omaha, or somewhere in between, there are multiple ways to attain cheap boat insurance in Nebraska. Start saving immediately with a variety of Progressive discounts that can be automatically added to your policy, such as:

Multi-policy
Paid in full
Responsible driver
Safety course
Original owner

Find out more about boat insurance discounts.

What's the best boat insurance in Nebraska?

Whether you live in Omaha or Lincoln, or anywhere else in Nebraska, the best boat insurance offers the coverages you need at a price you can afford. Progressive provides inexpensive, dependable protection that's personalized to you and your boat. Plus, unlike some boat insurers, we don't require a marine survey in order to get a policy.

Pro tip:

Auto insurance may pay for injuries or damages you cause while towing your boat trailer, but it won't pay for damage to your trailer. However, a boat insurance policy can pay to repair or replace your damaged boat trailer up to your policy's limits.

Additional boat coverages in Nebraska

Sign & Glide®: If your boat is stuck on the water, Sign & Glide® towing assistance^†† can help with on-water towing, jump starts, fuel delivery,^† and more.
Propulsion Plus® mechanical breakdown coverage: In the event of a mechanical breakdown, Progressive can pay to repair or replace the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor (coverage doesn't apply to jet drives or inboard motors).
Wreckage removal: If your boat sinks, we can pay to remove your boat from the water.
Fuel spill: Progressive covers the cost of legally required cleaning that comes with spilled fuel.
Watersport coverage: If your guests are injured from water-tubing, water-skiing, and other related sports, we may cover their medical expenses up to a certain limit.
Fishing equipment or carry-on items: If your fishing equipment or other gear is lost or stolen, you can receive the full replacement cost up to $10,000 for fishing gear, scuba gear, phones, and other items. There's a $1,000 limit per item.

See all Progressive boat insurance coverages.

Nebraska boating information

Any operator born after December 31, 1985, must have successfully completed the Nebraska boating safety course and have a valid certificate.
Vessels powered by any mechanical device capable of propelling the vessel over any public or private waters of Nebraska, including the Missouri River and Lewis and Clark Lake, must be registered. Learn more about boat registration in Nebraska.
In Nebraska, all vessels are required to use display lights, from sunset to sunrise. No other lights may be used, except a spotlight for difficult navigation.