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Boat Insurance in Cincinnati, OH

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Coverage That Floats

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Local Coverage for Lakes, Rivers & Beyond

Boat ownership brings freedom — but also risk. Whether you're cruising the Ohio River, enjoying weekends at Caesar Creek, or trailering to new destinations, your boat needs protection that goes beyond your homeowners policy.


At Moore Insurance, we offer personalized boat insurance policies for Cincinnati-area residents that cover physical damage, liability, medical payments, and more. We also help insure trailers, on-water towing, and even fuel spill liability.

An aerial view of a yacht in the ocean.

Why Local Boat Owners Trust Moore

Built for Boaters

We've helped Ohio boaters navigate their insurance for over 20 years. As a local, independent agency, we shop multiple carriers to find affordable, comprehensive coverage tailored to how, where, and when you use your boat.



Whether it’s a fishing boat, jet ski, pontoon, or sailboat — we make sure you’re protected on the water and off.

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Liability & Passenger Protection

Protects you financially if someone is injured or property is damaged while you're operating your watercraft.

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Physical Damage & Theft

Covers repairs or replacement if your boat is stolen, vandalized, or damaged in a storm or accident.

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Trailer, Towing & Accessories

Optional coverage for your trailer, personal items, fishing gear, on-water towing, and more.

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Smooth Sailing Starts With Smart Coverage

We’ll help you build a boat insurance policy that’s as dependable as your time on the water.

  • Is boat insurance required in Ohio?

    It’s not legally required in Ohio, but highly recommended — especially for liability protection and theft coverage. Marinas or lenders may require it.

  • Does homeowners insurance cover my boat?

    Only in limited situations and often with low value limits. A dedicated boat policy is the best way to fully protect your watercraft and liability risks.

  • Can I insure my jet ski or personal watercraft?

    Yes! We offer coverage for jet skis, Sea-Doos, WaveRunners, and other personal watercraft — including liability, collision, theft, and towing.

  • What types of boats do you cover?

    We insure bass boats, pontoons, sailboats, fishing boats, runabouts, ski boats, and more. We’ll find the right policy for your vessel and budget.

  • Does boat insurance cover towing or fuel spills?

    Optional coverage is available for on-water towing, fuel spill liability, and wreck removal. We’ll help you decide what’s worth adding.