state farm yacht insurance

We value your privacy. We may collect personal information from you for business, marketing, and commercial purposes. Read more Do Not Sell or Share My Personal Information (CA residents only)

We value your privacy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.

For California residents, click here to view the full version of the California Consumer Privacy Notice.

Start of main content

Boat insurance basics: What's covered

Learn about boat insurance and what the coverage may mean for you.

Did you know that boat insurance is one of the earliest known forms of insurance ? Ancient sailors knew firsthand about the risks of a life at sea and sought to insure their boats against hurricanes and other unpredictable weather and waters. And it still applies today.

Boat insurance policies can vary widely in what they may or may not cover based on a number of considerations. Some of the factors include: type and age of the boat, where it will operate (waterways) and boat usage (length of boating season). Still, there is basic coverage available as well as some potential discounts for safe boaters.

Physical damage

This coverage insures your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft and collision. The property covered can vary, but the policy will typically cover the hull and other components, such as:

• Extra fuel tanks, batteries, etc.
• Onboard safety equipment, such as flotation devices and fire extinguishers

Have an agent contact me with a quote

A boat trailer may or may not be covered, depending on the policy. Talk with your agent to determine if your boat insurance policy covers your trailer.

When choosing your policy, consider asking whether you will be insured for the boat's replacement cost or its actual cash value (ACV) . A replacement cost policy will reimburse you for the cost of repairing the boat to its original condition or replacing the boat with the same or similar model. A policy based on ACV will reimburse you for the value of the repair or replacement (cost to repair or replace the property minus depreciation) at the time of the loss. Some insurance policies may include agreed value loss settlement for total loss situations. This ensures you receive the policy coverage limits if your boat is determined to be a total loss.

Liability coverage

This coverage applies if your boat causes injury to others or damage to other boats, docks or structures. Keep in mind that the injury or damage can be due to direct contact with your vessel or situations caused by your vessel, such as large wakes. Boat liability coverage helps protect you from covered claims and lawsuits including payment of settlements and legal fees. Consider your needs and possible risks so that you purchase the best liability coverage for you and your boat.

Other coverage

Your insurer may offer additional kinds of coverage to go with your basic boat insurance. A State Farm® boat insurance policy  may provide coverage for temporary repairs, emergency service and wreck removal as part of your basic contract. For additional information, talk with your agent.

Optional coverage

In addition to what is offered as part of your basic policy and depending on your boating needs, you may want to consider purchasing coverage like:

• Reimbursement for your boat rental in case of a covered loss
• Coverage for your boat when rented to others
• Liability coverage when using a rented boat
• Uninsured and underinsured coverage

A way to help lower your boat insurance premium is to become a safer boater. For example, many insurers offer discounts to boaters who have completed an approved boating safety course . 

Other frequently asked questions about boat insurance

What sets state farm boat insurance apart.

• We've got over 19,000 agents nationwide – chances are there's one near you.
• State Farm has been insuring customers since 1922.
• We offer competitive rates and broad coverage options to help meet your needs, including agreed value loss settlement for total losses.

Does boat insurance cover sinking?

State Farm typically insures against perils like sinking, fire, theft and storms, just to name a few. Check out more details on boat insurance , or talk to a State Farm agent for more information.

What types of boats are typically insured by State Farm?

State Farm offers boat insurance for a wide variety of water-going types like sailboats, fishing boats, kayaks, canoes and even jet skis . Contact a local insurance agent for a quote today!

Buying boat insurance may help you be prepared when the unexpected happens. And if you’re interested, learn more boating safety ideas , advice on how to trailer your boat and what to do in the case of a boating accident .

This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself, and in endorsements.

The information in this article was obtained from various sources not associated with State Farm ® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

State Farm Fire and Casualty Company State Farm General Insurance Company Bloomington, IL

State Farm Florida Insurance Company Winter Haven, FL

Start a quote

Select a product to start a quote., find agents near you or contact us, there’s one ready to offer personalized service to fit your specific needs., related articles.

Boat trailer safety

Boat trailer safety includes choosing the proper trailer and towing vehicle, following proper hitching procedures and learning safe driving techniques.

Reporting a boating accident

Understand your responsibility if you are involved in an accident.

Essential spring boat maintenance

Consider completing these tasks before hitting the water.

Boating safety tips

Help stay safe on the water by being prepared with these boat safety tips.

Simple Insights

• Auto & vehicle
• Life Insurance
• Small Business
• Starting Out
• Getting Married
• First Time Home Buyer
• Adding a Child
• Changing Jobs
• Planning a Move
• Newly Single
• Empty Nester
• Car Seat Safety
• Manage Energy
• Starting Today
• Fire Prevention
• Severe Weather
• Winter Storm

MarketWatch Guides is MarketWatch’s research and commerce newsroom. We employ dedicated researchers distinct from our newsroom coverage. We may earn a commission from links. Learn More

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

State Farm Boat Insurance

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on travel, entertainment, household services and more.

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

• State Farm can cover many vessels including fishing boats, houseboats, ski boats, jet skis, kayaks, sailboats and more.
• Boat insurance can cost $200 to $500 per year or more depending on your situation.
• Coverage can include your tools, trailer, life preservers, extra fuel tanks, anchors, fishing equipment attached to the boat and more.

As the country’s largest insurance provider, it’s no surprise that State Farm offers a range of marine coverage choices. But does State Farm boat insurance live up to the reputation of its auto coverage and other insurance products?

We at the Guides Auto Team took an in-depth look at the company’s coverage, costs and reputation for its boat coverage — as well as how it compares to the country’s  best boat insurance companies .

Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

State Farm Boat Insurance Review

We rate State Farm 8.8 out of 10.0 based on the strength of its reputation and its wealth of coverage options for commercial boaters.

State Farm Boat Insurance Pros and Cons

What makes state farm boat insurance stand out.

Here are a few aspects of State Farm boat insurance that our review team especially liked:

• Commercial coverage : State Farm’s offerings for commercial boaters are among the best in the industry. Coverages such as commercial liability and rental boat insurance may be especially desirable for people who use their watercraft for business.
• Local agents : State Farm has the largest network of local insurance agents in the country. That means that in addition to its online and phone help, you can get assistance in-person just about anywhere.
• Wreck removal and more : Wreckage removal is one of those coverages you hope you never need, but is extremely useful in the chance that you do. State Farm includes this coverage, along with other useful benefits, in its basic contracts.

About State Farm

Founded : 1922 Headquarters : Bloomington, Ind. AM Best Rating : A++ BBB Rating : B

Since its inception in 1922, State Farm has grown to become the country’s largest insurance company. According to the National Association of Insurance Commissioners (NAIC), the provider owned 9.04% of the total insurance market and wrote over $78.6 billion in premiums in 2022.

State Farm is known for its network of local insurance agents. The insurer takes pride in offering personalized service through its 19,000 agents nationwide.

State Farm Boat Insurance Cost

The average cost of boat insurance in the U.S. is around $200 to $500 per year . However, boat insurance premiums are highly variable, and it’s possible your premiums will fall outside this range.

Boat Insurance Cost Factors

• Agreed value vs. actual cash value coverage : Agreed-value coverage reimburses you based on an agreed-upon price for your boat in case of a total loss. An actual cash value policy reimburses you based on the market value at the time of the loss, including depreciation. State Farm offers agreed-value replacement cost coverage.
• Boat condition : Some insurers require an official inspection of your boat before writing a policy. Companies may adjust your rate based on the condition of your vessel.
• Boating horsepower : High-horsepower motorboats and powerboats may drive a higher premium than slower boats.
• Cruising area : Many insurers require you to state your intended cruising area and limit your coverage to that area. If your chosen area is considered high-risk, you’ll likely pay a higher premium.
• Deductible amount : Similar to car insurance, you’ll have some say in what your deductible is. Setting a higher deductible will result in lower premiums.
• Discounts : Boat insurance companies offer discounts that can help reduce the cost of coverage.
• Safety equipment : You may find cheaper boat insurance coverage if your boat has safety features such as automatic fire extinguishers, anti-theft equipment and tracking devices.
• Storage location : If your boat is stored in a high-risk location, such as low-lying coastal areas prone to hurricanes and flooding, you could pay more for coverage.
• Type of boat : Insurers adjust watercraft insurance rates depending on the type of boat you want to cover, as they vary in features and purposes.
• Type and amount of coverage : Whether you opt for minimum liability coverage or full coverage with several add-ons, you’ll pay higher rates for more coverage and higher limits.

State Farm Boat Insurance Discounts

State Farm doesn’t advertise as many discount opportunities as its competitors. However, the ones it does offer could still result in substantial savings.

Here are some of the boat insurance discounts State Farm mentions on its site:

• Boat safety education : State Farm will discount your premiums for completing a state-approved boat safety course.
• Lay-up period : This is a period of time that you agree to decommission your boat, such as in winter months. You may be able to get lower rates for establishing or lengthening your lay-up period. However, damages that occur during this period may not be covered.
• Freshwater boating : If you use your boat in freshwater rather than salt water, State Farm may offer you a discount.

State Farm may offer more discounts than it specifies on its website. A local agent can explain what discount opportunities are available to you.

State Farm Boat Insurance Coverage

You can tailor your State Farm boat insurance policy to fit your needs. Only Arkansas and Utah require boat owners to carry insurance, though some marinas have their own minimum coverage requirements. But beyond that, the amount of boat insurance coverage you carry is up to you.

Standard Boat Insurance Coverage

State Farm offers a full lineup of standard marine insurance options. These coverages are similar in name and purpose to those you’d find for auto insurance:

• Bodily injury liability : Covers medical expenses, lost wages and related costs for other parties if you are found at fault for an accident.
• Property damage liability : Covers damages to others’ boats and personal property when you’re found at fault for a boating accident.
• Collision insurance : Covers damages to your boat following an accident, regardless of who is at fault.
• Comprehensive coverage : Covers physical damages to your boat from non-accident causes, such as fire, theft, vandalism or weather.
• Medical payments : Covers medical expenses for your party related to a covered accident, no matter who is at fault.
• Uninsured boater coverage : Covers property and injury expenses if an at-fault driver lacks sufficient coverage.

Optional Coverage

Of the insurers in our review, State Farm offers some of the best boat policy add-ons for commercial purposes. State Farm’s recreational and commercial add-on coverage options include:

• Boat rental liability : Offers liability coverage when you rent a boat for personal use.
• Boat rental reimbursement and liability : Covers the cost of a rental boat if yours is decommissioned for a covered repair or in the event of a total loss. This also provides liability coverage for the rented boat.
• Boat rented to others : Provides liability coverage if someone driving a boat they rented from you is found at fault for an accident.
• Fishing tournament fee reimbursement : Covers the cost of fishing tournament entry fees if you are unable to participate in a fishing tournament due to a covered loss.
• Incidental commercial fishing : Offers property damage and liability coverage if you use your boat for a fishing business.

Coverage is subject to limits and exclusions in your policy.

State Farm Boat Insurance Benefits

Boat insurance from State Farm includes several attractive benefits. Here are some of the perks that come with the company’s policies:

• Temporary repairs : Covers the cost of repairs to protect your vessel from further damage in the event of an insured loss.
• Emergency service : Covers up to a specified amount for emergency services for your boat, boat trailer or motor — similar to an auto insurance roadside assistance plan.
• Wreck removal : Covers the cost of removing your wrecked boat from the water when removal is legally required.

Types of Boats State Farm Covers

State Farm covers a wide variety of commercial and recreational boats, meaning most boaters can find coverage with the company. Here are the types of boats State Farm insures, according to its website:

• Fishing/bass boats
• Jet Skis 
• Kayaks/canoes
• Runabout/sport boats
• Yachts/cruisers

State Farm likely offers coverage for your type of boat, even if it isn’t specifically mentioned in this list. For example, the company mentions insurance for bass and fishing boats, but not pontoon boats specifically. The same goes for Jet Skis and other personal watercraft. 

If you’re unsure whether your boat falls into any of the covered categories, you can reach out to a local State Farm agent for clarification.

State Farm Boat Insurance Reviews

Although there aren’t many State Farm reviews specifically for boat insurance, it’s important to get a sense of how the company handles insurance claims and customers.

State Farm holds an B rating from the Better Business Bureau (BBB) and an average rating of nearly 1.2 stars out of 5.0 from customers on the site. While the insurer’s customer review score is low, this is fairly typical for the industry. Policyholders typically leave reviews on the BBB’s site only when they have an issue or complaint, so ratings tend to be low on average.

Positive reviews from customers frequently mention helpful local agents and an easy claims process. Negative State Farm reviews, on the other hand, tend to focus on coverage not lining up with a customer’s expectations when filing a claim.

We reached out to State Farm for a comment on its negative reviews but did not receive a response.

Do You Need Boat Insurance?

There are only a few situations in which marine insurance is required. These include:

• Your state requires it : Arkansas and Utah are the only states that require boat owners to carry insurance. 
• Your marina requires it : Some marinas require boats that dock there to carry liability coverage.
• Your lender requires it : If you took out a loan to buy your boat, your lender may require you to have insurance on it.

Boat Owner Risks

Even if you aren’t required to have boat insurance, it’s worth considering for peace of mind. There are a wide range of risks that come with driving, transporting and storing a boat.

Here are some of the most common boat-related risks:

• Collisions : Whether your boat collides with another boat or a stationary object, collisions are one of the most common sources of damage.
• Damage during storage : Boats can be damaged while in storage, whether from natural causes like storms and floods or from mishandling.
• Damage while moored : Marinas create high-traffic situations. Between other boaters and objects like docks and buoys, it’s easy for your boat to suffer damage.
• Damage during transit : Road debris, car accidents, inclement weather and more are all threats to your boat while you’re moving it on the road.
• Swamping : Even experienced boaters occasionally run their boat into a sand bar or ground in shallow water. This can cause damage to your boat and may require help getting unstuck. 
• Sinking : A boat can sink for a variety of reasons. While property loss itself is a big risk, you may also be required to remove your boat from the water at an additional cost.
• Storm damage : Storms can easily damage or sink boats on the water, but they can also damage your boat while it’s in storage. 
• Theft : Although boat theft isn’t as common as auto theft, it still happens. According to the National Insurance Crime Bureau (NICB) , there were 4,240 thefts of watercraft in 2019 alone.
• Fire : As boats tend to have electrical parts that regularly come into contact with water, and often carry fuel on board, fires are a common risk.

Boating Accident Statistics

Boating accidents are not uncommon. According to data from the United States Coast Guard   (USCG), there were 5,265 reported boating accidents in 2020. These accidents resulted in 3,191 injuries and 767 deaths.

Historical data from the USCG also suggests that accidents on the water are on the rise. The number of reported boat accidents rose 26.3% from 2019 to 2020, while the number of injuries rose 24.7% from 2019. Deaths from boating accidents also increased 25.1% over the previous year.

Property damage from boating accidents has also seen significant increases. USCG data shows that in 2020, boating accidents accounted for $62.5 million in damages, an increase of nearly 36% since 2017.

Even experienced boaters are at risk of an accident. Given the recent increase in both the number and cost of accidents, getting insurance for your vessel makes more financial sense than ever before.

State Farm Boat Insurance: Conclusion

State Farm offers several valuable coverage options for fishers and others who use their boats for business in particular. However, State Farm boat insurance can also be a good option for most boaters. Those who already have auto insurance or other policies with the company especially should consider the provider.

State Farm Boat Insurance Competitors: Our Picks

Even if you feel that State Farm boat insurance is a good fit for your needs, it pays to shop around. Getting boat insurance quotes from multiple providers allows you to compare offers and find the lowest rates for you. Our team recommends getting free quotes from the following providers.

BoatUS: Best Member Organization

BoatUS is a member-based boating organization that offers marine insurance backed by Geico . This is a huge draw, as boaters can get coverage from one of the country’s most established providers offered through an organization that understands the needs of boaters. BoatUS also offers some of the most expansive covered cruising areas to policyholders, so serious boaters will definitely want to take a look.

Progressive: Editor’s Choice

Due to its combination of several coverage options and an abundance of discounts to help keep coverage affordable, Progressive earned our Editor’s Choice award in our 2022 review of the best boat insurance companies. Add-ons like an on-water towing package or mechanical breakdown insurance may be attractive to people who want a worry-free boating experience.

Keep reading: Progressive boat insurance review

State Farm Boat Insurance: FAQ

Below are some frequently asked questions about State Farm boat insurance:

Which company is best for marine insurance?

We named Progressive the top choice for boat insurance and our Editor’s Choice. BoatUS and Markel can also be smart choices for marine insurance.

What is typical boat insurance?

The typical boat insurance policy includes some combination of liability and property damage coverage. On average, boaters pay between $200 and $500 per year for boat insurance. However, most insurers offer many options that can affect the cost of your premiums.

Does boat insurance cover hitting a rock?

Boat insurance covers hitting a rock if you have collision coverage. It wouldn’t cover your boat if you were only carrying liability insurance.

How We Rated State Farm Boat Insurance

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost : Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage : Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience : Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability : Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience : This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more .

• Boat Insurance

https://money.com/best-boat-insurance/

7 Best Boat Insurance Companies

• 7 Best RV Insurance Companies of December 2024
• How to Report Identity Theft to Authorities
• Struggling With Debt? Here Are 4 Options to Get Things Under Control
• 6 Best Credit Repair Companies of 2024
• What Is Debt Relief and How Does It Work?
• Should You Freeze Your Credit After Identity Theft?
• How To Get a Higher Credit Limit: A Step-By-Step Guide
• How Identity Theft Can Hurt Your Credit Score — And What You Can Do About It
• The Recent Grad’s Guide to Building Credit
• The Recent Graduate’s Guide to Reading a Credit Report — and What to Watch Out For
• Domestic Travel Insurance: What Does It Cover?
• 6 Best Life Insurance for Seniors of 2021
• How to Protect Your Credit During a Divorce
• 5 Best Small Business Loans of 2024
• Why Choosing a Higher Pet Insurance Deductible Can Pay Off
• 7 Best Dental Insurance Plans of 2024
• 6 Best Cheap Pet Insurance Companies
• What Is Whole Life Insurance and How Does It Work?
• What Pet Insurance Won't Cover
• Everything to Know About Your Pet’s Mental Health

Offers an extensive list of discounts for completing boat-safety courses and more, transferring from another company and more.

Multi-policy, Responsible driver, Original owner, Transfer from another company, Association member, Multi-boat, Advanced quote, Pay in full, Prompt payment, Safety course, Small accident forgiveness, Large accident forgiveness, Disappearing deductibles

Has over five insurance packages to choose from tailored to boat type, age or coverage level.

Lay-up period, Policy paid in full, Boat safety features protective devices, Safety course, Multi-unit, Multi-policy, Loss free renewal, Prior insurance, 55 years or older, Affinity and alliance

Provides insurance for pleasure yachts that are between 36 and 70 feet in length and valued at up to $3 million.

Offers optional liability protection for rented boats.

Taking safety course, Lay-up period, Boating in fresh water instead of salt water

Boat insurance helps cover repairs due to accidents, theft, fire, storms and other perils. It also offers liability protection in the event your watercraft injures someone or damages their property.

Even if you don’t use your boat regularly, insurance can provide peace of mind in case of unexpected events. To help you find the policy that best fits your lifestyle, check out Money’s guide to the best boat insurance companies of 2023.

Our Top Picks for Boat Insurance

• Progressive – Best for Policy Discounts
• BoatUs – Best for Membership Benefits
• Foremost – Best Insurance Packages
• State Farm – Best for Boat Rental Insurance
• Chubb – Best for Yacht Insurance
• Markel Insurance - Best for Commercial Boat Insurance
• National Boat Owners Association - Best Insurance Agency

Best Boat Insurance Reviews

Best for policy discounts: progressive.

• Wreckage removal and fuel spill cleanup included
• Offers accident forgiveness and disappearing deductibles
• Coverage limitations for expensive watercraft, and for big boats in hurricane-prone states

Why we chose this company: Progressive offers an extensive list of discounts. You could lower your monthly premiums by paying your policy upfront, completing boat-safety courses and more.

Insurance companies generally offer discounts if you insure multiple boats or combine your boat insurance policy with homeowners or auto insurance. Progressive provides those and more for a total of more than 10 discount options that may help you lower your boat insurance cost. You can get discounts for being the boat's original owner, not having motor vehicle violations or accidents on your record for the last three years, making timely payments and more.

Progressive's policies include accident forgiveness, which keeps rates from increasing if your claims are for $500 or less. Moreover, boaters who've been Progressive customers for at least four years and remained accident-free for three are exempt from rate increases for any accident, regardless of the claim amount. For an additional cost, you may also include a "disappearing deductible" feature that reduces your deductible by 25% for every claim-free period — until it reaches zero.

Note that Progressive has more limitations than other companies with regard to the vessels it insures. Personal watercrafts, such as jet skis, worth over $27,000 are not covered. And in hurricane-prone states, insurance is not available for boats over 35 feet in length or valued at over $175,000.

Additional coverage options:

• Total-loss replacement

On-water towing

• Fishing equipment
• Personal effects
• Mechanical breakdown

Medical payments

• Trip interruption
• Uninsured/underinsured boater
• Comprehensive coverage

Progressive policy discounts:

• Multi-policy
• Responsible driver
• Original owner
• Transfer from another company
• Association member
• Advanced quote
• Pay in full
• Prompt payment
• Safety course
• Small accident forgiveness
• Large accident forgiveness
• Disappearing deductibles

Best for Membership Benefits: BoatUS

• Free boater safety and education programs to earn discounts
• Extra-cost towing and emergency assistance plans available
• Geico auto insurance policyholders may get a discount
• Option to extend your coverage to Alaska, the Bahamas, Mexico and the Caribbean
• Some policy options aren't available in every state or to every type of vessel
• Does not offer replacement-cost insurance
• BoatUS membership required to sign up for unlimited towing benefits

Why we chose this company: BoatUS has several policy options and coverage add-ons, but it also has a membership program that features valuable discounts on boating stores, towing services and more.

BoatUS is one of the largest membership-based organizations for recreational boat owners. While a membership isn’t required to get a BoatUS insurance quote, buying one entitles you to benefits much like those offered by AAA or other auto clubs for your car. These include BoatUS safety courses (free to all, regardless of whether they have BoatUS insurance), the completion of which can earn you discounts on your boat insurance policy.

The Membership program offers discounts on charter cruises, towing, fuel, boat supplies and fishing stores, watercraft storage, repairs and other services. It also includes a towing assistance benefit, the details of which vary by membership plan.

The four membership plans cost between $25 and $179 per year. Each one includes 24/7 towing assistance, jump-starts, fuel delivery and soft grounding. The highest plan tier may cover the full cost of emergency tows and reimburse policyholders up to $3,000 for towing services provided by companies outside BoatUS' towing network.

BoatUS is owned by Geico and offers agreed value, actual cash value and liability coverage policies for most types of boats — though not replacement cost coverage, which many insurers offer. Also, note that since the company is a subsidiary of Geico, both offer the same policy. In fact, the Geico boat insurance quote process redirects you to the BoatUS website.

Coverage options:

• Dock contract liability
• Fishing guide
• Ice and freezing
• Lifetime repair guarantee
• Lower deductible for dinghies
• Lower deductible for electronic issues
• Personal effects coverage
• Unlimited towing
• Trailer coverage with roadside assistance

Policy discounts:

• Safety courses

Best Insurance Packages: Foremost

• Eight coverage packages by boat type
• Multiple discounts, such as those for boaters 55 years or older
• Elite package includes Bahamas and Mexico navigation
• Specialized insurance options for USAA members
• May not cover boats over 50 feet in length or $500,000 in value
• Some coverage options only available with the Elite package

Why we chose this company: Insurance companies usually offer a base policy that boaters can customize by adding optional coverage riders. While Foremost also offers optional riders, it stands out by selling over five insurance packages tailored to different boat types, ages and coverage levels. This can simplify the process of choosing the right policy features for your needs.

Foremost has three main packages: Saver, Plus and Elite. Saver is an inexpensive insurance option that provides actual cash value settlements, which is the amount it would take to repair or replace your boat minus depreciation.

Plus provides total loss replacement settlement, which pays to repair your boat to its previous condition and with the same materials as before an accident, rather than a depreciated amount. The Elite is the most comprehensive choice, adding pollution (spill) liability, wreck removal, pet coverage, towing services and more.

There are also packages for pontoon boats, boats that are more than 25 years old, speedboats that reach speeds of 77 mph or greater, and personal watercraft such as jet skis. Every plan can be customized with additional coverage options, including medical payments, personal property, boat transport trailer coverage and more.

• Personal Liability
• Uninsured Watercraft
• Medical Payments
• Towing and Roadside Assistance
• Trailer coverage

Personal property

• Policy paid in full
• Boat features protective devices (fire extinguishers, monitoring systems, etc.)
• Loss free renewal
• Prior insurance
• 55 years or older
• Affinity and alliance

Best for Boat Rental Insurance: State Farm

• Covers an unusually wide variety of watercrafts, including yachts, kayaks and canoes
• Optional coverage for rented boats
• Lay-up discount available if you don't use the boat year-round
• No actual cash value coverage available

Why we chose this company: Like many other insurers, State Farm covers expenses for damage your boat may cause to other people's property, such as another boat or a dock, as well as injuries sustained by others in accidents. It also offers an optional add-on liability protection for rented boats, a rarer feature of boat policies.

State Farm provides liability protection when you rent a boat during a vacation or while yours is being repaired. The company may also reimburse part of your rental costs if you rent a boat while yours is in the shop. And if you rent your boat, State Farm may also help pay for damages to your boat caused by the person who rented it.

Your base policy will include emergency service insurance, which pays for expenses you might incur if you need assistance with your boat, motor or trailer. This coverage is usually an optional rider and covers only vessel towing. State Farm policies also cover wreck removal, which reimburses you for the expense of raising, removing or destroying your boat's wreck when it's damaged due to a covered incident and you're legally required to remove it.

• Fishing tournament fee reimbursement
• Incidental commercial fishing
• Uninsured/underinsured watercraft
• Bodily injury liability
• Property damage liability
• Comprehensive
• Emergency services,
• Wreck removal
• Lay-up discount if you don’t use the boat year-round
• Boating in fresh water instead of salt water

Best for Yacht Insurance: Chubb

• Covers especially large and/or expensive yachts
• Complimentary background screenings, travel briefings and discounted rates on security services
• Consultations on local laws and customs
• No deductions for depreciation on most partial loss claims
• No information on website about policy discounts

Why we chose this company: Insurance companies typically cover boats up to 50 feet in length and up to $500,000 in value. Chubb , on the other hand, has two yacht insurance plans tailored to vessels that are between 36 and 70 feet in length and valued at up to $3 million. Coverage is also available for captained vessels that are 70 feet or longer and valued at $3 million and up.

Chubb's two yacht insurance policies include standard coverage options such as agreed value coverage, emergency towing and assistance and liability protection. However, its Masterpiece® Watercraft Insurance goes further, covering the cost of hauling or docking the vessel due to an incoming storm, the marina where the yacht is stored and liability protection for the boat’s crew. It may also pay up to $25,000 to cover the cost of fines and penalties as a result of marine environmental damage and more.

Coverage is also available for captained vessels of 70 feet or longer and valued at $3 million and up. Yacht owners receive coverage of up to $10,000 to charter a boat if your own vessel can’t be repaired within 72 hours. There is similar coverage for renting a watercraft in the event your own is unavailable.

Agreed value coverage

• Liability protection
• Medial payments
• Uninsured boater
• Pollution/Fuel spills

Hurricane haul-out

• Pet injury coverage
• Replacement-cost coverage for dinghy and tender
• Optional higher limits for emergency towing and assistance
• Marine Environmental Damage coverage
• Salvage costs and loss protection
• Temporary Substitute Watercraft coverage
• Optional higher limits for trailer coverage

Best for Commercial Boat Insurance: Markel

• Insurance coverage for watercraft used for commercial purposes
• Covers liability for damage to the vessel's storage facilities
• Diminishing deductible program
• Few physical branches nationwide

Why we chose this company: Where most boat insurance companies cover boats and watercraft used recreationally, Markel 's insurance policy covers vessels used for business purposes, including commercial fishing, boating classes, renting and chartering. Its marine insurance policy also covers liability for any damage the vessel causes to the rental facility where it's stored.

Markel covers several types of boats, whether they be yachts you charter for sightseeing or boats you own and operate. It also offers various boat insurance options, including coverage for damaged equipment and liability coverage for property damages, bodily injury, pollution (including fuel spills) and the crew.

Markel's policies for boats meant for personal use start at as little as $100 per year.

The company is also among the few boat insurers that reduce your deductible for each year you're claim free. The deductible drops by 25% each claim-free year until it reaches zero.

• Business interruption
• Boat towing
• Tournament fee reimbursement
• Premises liability
• Slip and mooring liability
• Emergency expense reimbursement
• Diesel engine
• Primary operator age 40 and over
• Insuring more than one boat
• Boating experience of five years or more

Best Insurance Agency: National Boat Owners Assocation

• Pairs you up with the best providers for your needs
• No membership needed, but members get benefits such as emergency towing and discounts at marine retailers
• Provides financing to buy new or used vessels
• Must go through quote process to get more information on coverage options

Why we chose this company: If you’re unsure as to the boat insurer that’s best for you, you may want to go for a boat insurance agency. The National Boat Owners Association (NBOA) connects you with insurers offering coverage for all types of boats and watercraft, including speed boats, sailboats, fishing boats, catamarans, yachts and jet skis.

The insurance companies NBOA partners with offer a wide range of coverage options such as liability protection with limits ranging from $100,000 to over $1,000,000, towing services and personal property reimbursement. Some insurers also offer total loss replacement coverage which replaces your boat with a new one of the same or similar make and model in the event of a total loss.

While you don't need a membership to purchase insurance, you'll need one to receive benefits such as emergency dispatch services, towing coverage, marine financing and industry discounts. NBOA offers two membership plans, costing $35 or $75 per year.

Other companies we considered

• Offers premiums as low as $25 per month
• Discount if you own a home, even if it's not insured under Allstate homeowners insurance
• High ratio of complaints filed with the National Association of Insurance Commissioners (NAIC)

Allstate offers policies starting at $25 per month and several discounts, including one for being a homeowner, even if the house is insured with a different company.

Why it didn’t make the cut: Allstate has a higher ratio of complaints with the National Association of Insurance Commissioners (NAIC) than our other picks.

• Insurance packages ideal for fishing trips
• Pollution liability coverage and wreckage removal are included
• Roadside assistance included if you insure your boat trailer with Nationwide
• Limited coverage add-ons available
• Scored below average on several J.D. Power customer satisfaction studies

Nationwide offers six insurance packages that are ideal for fishing trips. The company also includes roadside assistance at no additional cost if you purchase boat trailer insurance as well.

Why it didn’t make the cut: The company scored below average on several J.D. Power customer satisfaction studies compared to our main picks.

United Services Automobile Association (USAA)

• Members get a 5% discount on coverage for most watercraft valued under $150,000
• Discount for being claim-free
• Insures most types of boats
• USAA boat insurance only available to military families.

USAA consistently scores high on J.D. Power's customer satisfaction studies. The company also covers many types of watercraft, including yachts and boats valued at over $150,000.

Why it didn’t make the cut: Its plans are only available to military families.

American Family

• Add-ons include personal property, total loss and equipment damage coverage
• Offers a multi-policy discount
• Policies available only in 19 states

American Family offers physical damage, liability, medical payments, fuel cleanup, emergency service and equipment coverage for a wide variety of vessels, including personal watercraft, houseboats, sailboats, bass and fishing boats, yachts and speed and power boats. It also sells policies for kayaks, canoes, dinghies, row boats and stand-up paddleboards.

Why it didn't make the cut: The company only operates in 19 states.

United States Power Squadrons (USPS)

• Membership includes discounts on BoatUS insurance policies
• USPS safety course graduates get a one-year complimentary BoatUS membership
• Insurance program only available to members
• Membership entails an additional cost

The United States Power Squadron (USPS) is a non-profit boating organization that provides maritime safety classes. Members get discounts on BoatUS insurance policies, but membership requires an additional cost of $109 for individuals and $150 for families.

Why it didn’t make the cut: USPS is not an insurance provider.

Boat Insurance Guide

Boat insurance works similarly to car insurance in that it provides financial protection against damages to your property (in this case, a vessel) and that of others. It also covers medical expenses you or your passengers incur and other liability claims.

Unlike with cars, most states don’t require that boats be insured — although some marinas may ask for insurance to rent a dock. If you're financing a vessel, lenders may also demand you carry insurance. However, even if these requirements don’t apply to you, insuring your boat may be a good idea.

What does boat insurance covers?

Policies vary between insurers but coverage typically includes property damage and liability coverage. Let's go over them in detail.

Property damage coverage

Property damage coverage insures your vessel against damages or loss caused by collisions with other boats or objects (such as a dock or buoy), theft, sinking, fire, storms and other risks. The property covered may include the hull, motor, fittings, furnishings and other equipment. This coverage is also known as comprehensive and collision coverage.

Liability coverage

Bodily injury liability helps pay legal expenses and settlements if you're found at fault for someone's injuries during a crash, for example. Property damage liability, on the other hand, covers damages to others' property, such as a boat or dock you collide with.

What boat insurance doesn’t cover

Unless your policy states otherwise, boat insurance generally won't cover:

• Wear and tear
• Deterioration
• Damage from animals
• Manufacturing defects
• Servicing and maintenance
• Renovations

Other exclusions may include accidents that take place while boating outside your policy’s navigation limits or during a lay-up period.

Optional boat insurance coverage

Boat insurance companies may offer add-ons to augment their base policy's coverage. Here are some of the most common.

Medical payments coverage pays for the treatment of injuries, like medications or X-rays, you or passengers sustain in a covered accident.

Roadside assistance

Roadside assistance covers part or the total cost of towing your boat trailer if it breaks down. Some plans also cover labor for on-site vehicle repair.

Wreckage removal

Wreck or wreckage removal helps cover the cost of removing your boat or any debris from the water after an accident or if your boat sinks.

Mechanical breakdowns

Mechanical breakdown coverage pays to repair or replace an outboard motor, unless the issue is due to general wear and tear.

Watersport injuries or damages

Watersport coverage pays for injuries directly related to water sports, like tubing, wake surfing, or water skiing.

Fuel spill cleanups

If your boat spills fuel or oil due to an accident or leaking tank, this coverage can help pay cleanup or legal costs.

Also known as personal effects insurance, this coverage pays for the replacement cost of fishing equipment, scuba gear, clothing, electronics and more.

Uninsured/Underinsured boater

As the name suggests, this option covers injuries caused by a collision with a boater that doesn't have insurance or has insufficient coverage.

This add-on pays for towing if your boat leaves you stranded. It may also cover jump starts, soft un-groundings and fuel delivery. Depending on your plan, you may have to pay a deductible per towing service.

Ice and freezing damage

Ice and freezing damage coverage pays for damages to your boat’s engine or body caused by improper winterization. It may cover your boat while docked outside or if the storing facility's heating system fails.

This endorsement reimburses the cost of moving your boat out of the water before a hurricane or other named storm is headed for your area.

Extending your navigation

Boat insurance typically only pays for losses and injuries that happen within designated geographical limits. You'll have to purchase additional coverage to extend these navigational limits to other areas — like Alaska, the Bahamas, Mexico or the Caribbean.

Types of boats covered

The types of watercraft covered vary across insurance companies but may include:

• Bass/fishing boats
• Pontoon boats
• Power/speed boats
• Personal watercraft (PWC) such as jet-skis

Some insurers may also cover non-motorized watercraft such as kayaks, canoes or stand-up paddleboards.

Agreed value vs. actual cash value policies

Companies offer one of two types of reimbursement: agreed value or actual cash value. The type of policy you opt for will determine your coverage limits and premium.

This pays the amount you and the insurer agree on when you purchased the policy. It doesn’t take into account the value of your boat at the time a claim is submitted. It provides the most protection since it pays to replace or repair your watercraft without deductions for depreciation.

Actual cash value coverage

This option takes into account the market value, age and condition of the watercraft at the time of the accident. The insurer pays for repair or replacement costs after accounting for depreciation. Premiums on actual cash value policies are more affordable, but these provide less coverage in the event of total loss.

Some companies also offer replacement cost coverage. This type of coverage reimburses the full amount needed to repair your boat after an accident. In the event of total loss, the insurer pays to replace your watercraft with the same or a similar model.

Is my watercraft covered by my homeowners or umbrella insurance?

Homeowners insurance may cover your boat — as long as the watercraft meets the insurer’s size and speed restrictions.

Most policies cover small boats under 26 feet in length that have engines of 25 horsepower or less. However, note that coverage limits for physical damage are usually low — typically no more than $1,000 or $1,500 per item — so you may need to purchase an add-on or “endorsement” to insure your watercraft to its full value. Also, coverage for medical payments, other personal property or liability may be excluded.

Umbrella insurance may also cover your watercraft. However, the underlying policy covering your boat must first meet the liability requirements of your umbrella policy. For instance, an umbrella policy won’t cover legal fees and damages if it requires a minimum liability coverage of $500,000 and your boat or homeowners insurance caps at $300,000.

How much does boat insurance cost?

Your premium will depend on factors such as:

• Navigation area: boating inland (lakes or rivers), coastal regions or traveling to the Bahamas, Mexico and the Caribbean (sometimes also Alaska).
• Boat type: the model, year, size and speed of your watercraft.
• Your boating record: prior boating violations, accidents, claims or boating safety courses.

To insure a used boat, underwriters may require a marine survey to determine the vessel's overall value and condition. The surveyor inspects the boat for any underlying issues with its structure, machinery and onboard equipment.

Some insurers offer policies for as low as $25 per month or less but these usually only offer basic liability protection. Advertised prices go up as you add more coverage options to your plan.

How much boat insurance do I need?

The amount of insurance you need depends on the value of your vessel. For example, if you have a $40,000 boat, you’ll want at least $40,000 worth of coverage. It also depends on where you dock, moor or store your boat. Some marinas require at least $300,000 in liability protection but it can be as much as $1,000,000.

How to save on boat insurance

A policy that offers cash value coverage will be the cheapest option, since your insurance company can factor in depreciation when paying for damages. Choosing a lower liability limit and a higher deductible are other ways to lower your monthly premium. Just keep in mind that these choices could lead you to pay more out of pocket for damages, injuries or legal fees after an accident.

Insurers also offer policy discounts that can help you save money on your premium. These commonly include:

• Insuring more than one boat under the same policy
• Bundling your boat, homeowners and car insurance policies
• Paying your insurance in full
• Taking safety courses
• Having claim-free periods
• Having no boating accidents on record
• Owning a diesel-powered boat
• Not using your boat during during certain months (lay-up)
• Installing safety devices such as fire extinguishers or a fume detector

Common reasons for boat insurance claims to be denied

Boat insurance only covers events that are explicitly stated on the policy declaration. However, a claim may be denied even if your policy covers the event. That can happen if:

• You were operating a boat under the influence of alcohol or drugs
• You didn't give the watercraft proper maintenance
• The damages or injuries exceed your policy limits
• You made mistakes when filing the claim
• You failed to safeguard your boat before a storm
• You use your boat for commercial purposes (this usually requires marine insurance tailored for businesses)

Best Boat Insurance FAQs

How much is boat insurance, what does boat insurance cover, do i need boat insurance, is boat insurance worth it, how we chose the best boat insurance.

Here's what we looked for when choosing the best boat insurance companies:

Coverage options and discounts We looked for companies that offered a comprehensive selection of insurance packages, coverage add-ons and policy discounts.

Customer satisfaction As we researched companies, we focused on those that receive mostly positive feedback on online review sites such as the Better Business Bureau (BBB) and customer satisfaction studies by J.D. Power.

Financial strength We considered the financial strength of each company by looking up their rating from A.M. Best, a credit rating agency that focuses on assessing the creditworthiness of insurance companies. All our picks scored between A and A++.

Complaint index We evaluated every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC).

Summary of Money’s Best Boat Insurance of 2023

You are using an outdated browser. Please upgrade your browser to improve your experience.

At ConsumersAdvocate.org, we take transparency seriously.

To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in Boat Insurance:  Allstate ,  Progressive ,  BoatUS , and  Geico .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity.

Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process,  click here.

Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders. Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services.

EDITOR'S PICK

• Confidence in Expert-Serviced Policies
• Policies Tailored to Your Needs and Budget
• Exclusive Protection for Your Boat's Engine
• Comprehensive Coverage Across the U.S.
• Boat Insurance
• State Farm Review

State Farm Boat Insurance Review

The following companies are our partners in Boat Insurance: Allstate , Progressive , BoatUS , and Geico .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process, click here.

How is State Farm rated?

Overall rating: 3.7 / 5 (very good), state farm coverage & benefits, coverage & benefits - 4 / 5.

State Farm Customer Experience

Customer experience - 4 / 5.

State Farm Financial Strength & Reputation

Financial strength & reputation - 3.5 / 5.

Company Profile

Our Comments Policy   |   How to Write an Effective Comment

Customer Comments & Reviews

Related to boat insurance, top articles.

• Preparing Your Boat For Hurricane Season
• Common Boat Insurance Claims and How to Avoid Them
• What Does Boat Insurance Cover?

- Or via Email -

Already a member? Login

Today is a holiday! Business hours may be different today.

Chi Jiang - State Farm Insurance Agent

Updated over 3 months ago

Photos & videos

See all 3 photos

Services Offered

Verified by Business

Car and truck insurance

Life insurance

About the Business

We are focused on making sure that our insureds have the products needed to take care of and insure them from the everyday risks in life. We offer auto insurance, home insurance, renter's insurance, life insurance, boat insurance and business insurance in Santa Clara, CA. We strive to assist our State Farm customers and provide the knowledge necessary to make important insurance decisions. License #: CA-6008482, AZ-3002393932, NV-3878843, OR-3002411253 …

Location & Hours

Suggest an edit

1765 Scott Blvd

Santa Clara, CA 95050

Ask the Community

Ask a question

Do you guys speak Mandarin or Cantonese?

Yes! They do

People also searched for

Renters Insurance

Dmv Locations

Cheap Car Insurance

Commercial Insurance

Insurance Broker

Dmv Registration Service

Recommended Reviews

• 1 star rating Not good
• 2 star rating Could’ve been better
• 3 star rating OK
• 4 star rating Good
• 5 star rating Great

Select your rating

Overall rating

Chi is an outstanding agent who truly puts clients first. He takes the time to thoroughly explain every detail and ensures I understand all my options, always finding the best value for my needs. Over my 8 years with State Farm, Chi has consistently demonstrated exceptional professionalism, efficiency, and a personal touch that makes working with him a great experience. I highly recommend Chi for anyone seeking reliable and personalized service!

Business owner information

Business Owner

Dec 12, 2024

Dear Yifu, Thank you so much for taking the time to share your wonderful experience with us! We are thrilled to hear that he has consistently provided you with outstanding service over the years. It’s great to know that his dedication to explaining every detail and prioritizing your needs has made such a positive impact on your experience with us. Your recommendation means a lot to us, and we’re proud to have Chi on our team, embodying the professionalism and personal touch that we strive for. If you ever have any questions or need assistance in the future, please don’t hesitate to reach out! Warm regards, Chi

do not use this agent/office i am 53 never had restricted/suspended license! not as a teen or while in the service! this guy calls me and asks about my license being suspended sept 10th? i ask why? he can't tell me? says i'm in a peculiar situation? what the hell? i am putting the pieces together because he can't tell me why my license is in jeopardy! i was side swiped on my harley commuting home last march. well- he/office/underwriters- failed to send an sr1(crash report)to dmv. i notified him of the accident that day or the next last march.i called the dmv and got little info 10 sept. i did file an sr1 online 10 sept. i received notice 2 days ago dmv received the sr1(i filed online). i still need an in person visit to ask why i need an sr22 on file now. well- because the sr1 was never sent to dmv/appears to dmv i had no insurance day of the accident(i was current)so now- i have to have the sr22 on file which appears to dmv that i am a risk. gets better.. my premium goes/went up now! do not use this agent/office unless you want to be unsure if you have coverage in case anything goes wrong. i did not leave my house last weekend(office closed). i did not want to take a chance of having anything go wrong and not feeling comfortable because i do ride a motorcycle most of the time. don't need to go down and hassle with your own insurance agent while your hurt.

Sep 30, 2024

Dear Paul, I am sorry to hear about your negative experience with our agent/office, and I appreciate you taking the time to share your concerns. We take customer feedback seriously, and I would like to address the issues you mentioned. Firstly, I apologize for the lack of clarity regarding the suspension of your license. I understand how frustrating it must have been to not receive a satisfactory explanation. It is our responsibility to provide clear and concise information. Upon checking your account it does note that DMV had reached out to you regarding the SR1 in May of 2023 but apparently they do not have the report which caused the suspension. I understand your frustration with the need for an in-person visit to understand the requirement for an SR22 on file. This requirement arises due to the DMV's perception that you did not have insurance on the day of the accident, despite being current with your payments. I apologize for any inconvenience caused by this misunderstanding. Please know that we take our clients' concerns seriously, and we are committed to rectifying any issues or shortcomings in our service. I would appreciate the opportunity to discuss your specific case in more detail and find a resolution that meets your needs. Once again, I apologize for the inconvenience and frustration caused. We value your feedback, and we will use it to improve our processes and ensure that such issues are not repeated in the future. If you would like to discuss your concerns further, please feel free to reach out to me directly. Thank you for bringing these matters to our attention. Sincerely, Chi

I wanted to cancel my insurance with State Farm today, but I had an unpleasant experience. Two days ago, I texted my agent to cancel the insurance. I'm not sure who replied, but they only asked if I was canceling for two cars and then there was no follow-up. Today, I called my agent, Mr. Jiang, but a very rude lady answered. She kept saying she couldn't hear me, which made me hang up and call several times. When I finally got through and told her I wanted to cancel the insurance, she said she would help me with it. After that, there was no further communication. I didn't receive any email confirmation or notification confirming my insurance cancellation. This is very unprofessional. How can I be sure that my insurance has been canceled? So, a few hours later, I called again to ask if I would receive any notification or something to confirm the cancellation and when I would get my money back. This lady seemed very impatient on my second call, repeatedly saying she had already helped me cancel. She said this 5-6 times, as if I couldn't hear. I just wanted to know if I would receive any notification or email confirmation. Mr. Jiang was very professional when he served me, but I'm not sure if this lady is his assistant or what. Her behavior was very rude and unprofessional. Her name is Sunny Pan. Following this, I called State Farm's customer service to confirm if my plan was canceled. They informed me that they hadn't received any cancellation requests today. Now, I not only feel that Agent Jiang's staff was rude but also suspect potential fraud. I will report this incident to the Better Business Bureau.

WORST PLACE TO DO ANY BUSINESS this office worst experience i've ever had with state farm. Rest in peace Mr. Morgan my old agent that sadly passed away. Great guy. I then got automatically switched to this place. Got in an accident. No help whatsoever. No one speaks english when you call or even when they call you someone's just yelling over the phone trying to enunciate"You pay bill!". Would be comical Ridiculous that all they do is demand payments and give no helpful meaningful service. And my car still not fixed, the claim closed for whatever reason, of course they don't want to pay for my repairs from a stupid pothole on 84. If you're looking for an establishment that values your patronage this is not the one. Even when you paid they spam you to death on emails and text messages demanding payment. I thought me being asian would make the business relationship easier, just the opposite. Reverse racism is what we call it where i'm from.

Jun 4, 2024

Hi Fermin, I'm sorry to hear about your negative experience with the office. Losing a trusted agent can be difficult, and it's understandable that you were disappointed with the service you received after being automatically switched to a new office. The claim that you had can be reopen whenever there's a new activity. And for email/text notices that you mentioned in your review, I've reached out to our tech support and hopefully that could be resolved. I know those emails/texts that you got could be burdensome, but we just want to make sure the payment is received on time to prevent lapse of your policies. I'm sorry again for your experience with us and our services didn't meet your expectations. If you have any other questions or need further assistance, please don't hesitate to ask. Best regards, CJ.

A very good agent, very professional and patient, she helped me a lot. Even at night she would answer my questions very professionally. I am very happy to meet her and I am very willing to recommend her to my friends and other customers.

Chi Jiang is fabulous agent! Chi went out of his way to meet with me after hours. His customer service is impeccable. His kind demeanor, made me feel at ease. He tried hard to resolve my issues and succeeded. I couldn't ask more from an agent When my past agent Jeff Sinfuego was a no show on my appointment, I was very disturbing that a State Farm agent had such disregard to their clients. Chi renewal my faith in State Farm. Chi Jiang is the best A good agent is hard to find.

Best agent ever! He is so nice and righteous! Explained every details to me and hope me can understand what I can get from my policy. Highly recommend!

4 other reviews that are not currently recommended

People Also Viewed

Tressa Williams - State Farm Insurance Agent

Gurbinder Mavi - State Farm Insurance Agent

Ilda Mitchel - State Farm Insurance Agent

Jim Flynn - State Farm Insurance Agent

Harry Chang - State Farm Insurance Agent

Ken Williams - State Farm Insurance Agent

Tina Vu - State Farm Insurance Agent

Holly LaBarber - State Farm Insurance Agent

Andre Nguyen - State Farm Insurance Agent

Carlos Marron - State Farm Insurance Agent

Browse Nearby

Restaurants

Things to Do

State Farm Agents

Foreign Money Exchange

Credit Union

Furniture Stores

Other Places Nearby

Find more Auto Insurance near Chi Jiang - State Farm Insurance Agent

Find more Life Insurance near Chi Jiang - State Farm Insurance Agent

Related Cost Guides

Auto Insurance

Currency Exchange

Financial Advising

Home and Rental Insurance

Life Insurance

Tax Services

Chi Jiang - State Farm Insurance Agent is a Yelp advertiser.

Office Hours

Insurance products offered.

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Mutual Funds, Annuities

Would you like to create a personalized quote?

Alexandra anderson, a anderson ins and fin svc inc.

Corner of El Camino Real & Lafayette. Across the street from Jack-n-the-Box. Located on 3rd Floor.

December is a season of giving. This holiday season, give the gift of security with life insurance. It’s a gesture that ensures your loved ones’ future is protected, no matter what life brings. Contact us today to explore the options and provide your family with an invaluable gift of financial protection.

As the temperature drops in Santa Clara - you don’t have to go out in the cold to meet with your State Farm agent! We love helping people virtually and offer appointments over the phone or through video chat.

Alexandra Anderson and team have been recognized as one of the Top 3 Insurance Agents in Santa Clara for the consistent high-quality service provided in the surrounding communities for over 20 years! Our commitment lies in assisting our customers in constructing a more promising future by equipping them with the necessary tools and resources for a prosperous future.

Our array of services includes life insurance, health insurance, and income replacement insurance. We devote ample time to thoroughly elucidating the attributes and advantages of all our insurance plans. Start saving on your insurance today by bundling your auto, home insurance, condo or renters' insurance with State Farm! We have been serving Santa Clara County since 2004.

Good Neighbor Agency serving all of: Santa Clara, Campbell, San Jose, Milpitas, Sunnyvale, Mountain View, Morgan Hill, Gilroy, and more. We are now licensed in California, Nevada and Arizona. We have Professional & Licensed Full-Time Staff offering personalized insurance quotes for your Car, Home, Renters and Condo. We offer Small Business Insurance Protection. Alexandra is a lifelong learner and continues to build on her credentials and knowledge to better assist her customers. Alexandra's agency has been recognized for several awards over the past 20 years.

Our team is genuine, sincere, hardworking and personable. Just take a look at our google reviews and see for yourself. We represent the top Insurer in the US. We are here for the most difficult and the most rewarding phases of your life. We would love to be your State Farm Agency team of choice. Stop by or give us a call to meet our team. We are always ready to assist you with all of your insurance and financial needs.

• Auto Insurance
• Motorcycle Insurance
• Homeowners Insurance
• Condo Insurance
• Renters Insurance
• Business Insurance
• Life Insurance
• Pet Insurance
• Rec Vehicles Insurance
• Boat Insurance

Office Info

Simple insights®, school bus safety tips.

Safety tips for children and parents as they wait at the bus stop, cross the street, and enter/exit the bus. Plus tips for bus drivers as they transport the kids.

What is telematics and how is it used?

Telematics is a method of sharing information like GPS and diagnostics recorded by your vehicle with a third party, such as an insurance company or mechanic.

The Real Consequences of Drunk Driving

What's at stake if you're caught drunk driving? A lot. These tips help you avoid the dangers of drinking and driving.

Social Media

Bundle is life (feat. patrick mahomes & cristo fernández) :30.

Give Me A Break :15

Sweet Ride :30

Teacher's Pet :30

You can also call us at (408) 244-4400

For your protection, please do not include sensitive personal information such as social security numbers, credit/debit card number, or health/medical information.

Please correct the following:

By filling out the form, you are providing express consent by electronic signature that you may be contacted by telephone (via call and/or text messages) and/or email for marketing purposes by State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates ("State Farm") or an independent contractor State Farm agent regarding insurance products and services using the phone number and/or email address you have provided to State Farm, even if your phone number is listed on a Do Not Call Registry. You further agree that such contact may be made using an automatic telephone dialing system and/or prerecorded voice (message and data rates may apply). Your consent is not a condition of purchase. By continuing, you agree to the terms of the disclosures above.

Please note: Insurance coverage cannot be bound or changed via submission of this online e-mail form or via voice mail. To make policy changes or request additional coverage, please speak with a licensed representative in the agent's office, or by contacting the State Farm toll-free customer service line at (855) 733-7333 .

Our mission is to serve all customers with integrity by assessing the right product for the right need. We pride ourselves in the exceptional Customer Service we provide. We serve all of our surrounding communities: Santa Clara, Campbell, San Jose, Milpitas, Sunnyvale, Mountain View, Morgan Hill and Gilroy. Through our conversations and relationships we build with our customers we are able to provide personalized recommendations on all of their insurance protection plans. We base all auto, home, life and other insurance quotes on the customer's needs and priorities. Our customers look to us to help them plan for their future goals and dreams. We value our Customers. We take pride in our work and we keep our promise to our Customers. We are your one-stop shop for your car insurance, home insurance, personal property insurance, life insurance and much more. We help simplify your life when it comes to insurance needs. Call us or stop by. We would love to meet you and help you wtih all of your insurance needs.

Our daily goal is to provide exceptional service to our State Farm customers. We work hard towards achieving 100% customer satisfaction. We make things simple when it comes to car insurance, home insurance, life insurance and more. We have a dedicated and very knowledgeable full-time bi-lingual (Spanish) team ready to help our State Farm customers with their every day Insurance and Financial needs. Call in or walk in for a one of a kind experience!

Harold Anderson

Office Manager

License #0E53020

Nardy Brasil

Insurance Account Representative

License #0M18214

Maricela Sanchez

License #0F86489

Alyssa Sanches

License #4292617

Fabiola Sanchez Martinez

License #4338403

Angela Anderson

License #4404460

Sandra Diaz-Lopez

Marketing Service Assistant

Tara Thomas

Customer Relations Representative

Viewing team member 1 of 8

Alexandra and I have been blessed to have opened up our State Farm Agency in 2004. Since 2004, we have been taking very good care of our customers and helping them with the personalized service they deserve. I hold a professional insurance licenses in Property & Casualty, Life, Health. I am a lifetime resident of Santa Clara County. My family and I are very active in our Church and other local community events. Alexandra and I have 2 kids. I enjoy spending time with my family, hunting, camping, coaching softball & volunteering for the Youth Program at our Church.

Viewing team member 2 of 8

I have 16+ years of experience with customer service and I truly enjoy being part of the State Farm Anderson team. I currently hold a professional Insurance Personal Lines license in the State of California. I enjoying every minute of what I do as an Insurance Representative. I love helping customers with their insurance needs and I strive to provide professionals and courteous service at all times. I am married and have two wonderful children. My hobbies include: Camping, hiking, yoga and spending time with my family.

Viewing team member 3 of 8

Viewing team member 4 of 8

I have been in the customer service industry for four years. I enjoy every second of being able to interact with customers and provide outstanding service. I currently hold an Insurance Personal Lines License in California and I plan on taking more opportunities to further my education. I am proud to be part of such an amazing agency who strives to be there for their customers in every way possible. Outside of the agency, I enjoy spending my time with family and friends. Watching movies or baking is my family's' thing to do together.

Viewing team member 5 of 8

Viewing team member 6 of 8

Viewing team member 7 of 8

Viewing team member 8 of 8

My name is Tara Joyce. I am currently obtaining my bachelor’s degree at Southern New Hampshire University and recently began working at State Farm. Working in customer service, it has allowed me to develop strong communication and customer service skills. I am interested in learning about human behavior and helping others, which aligns with my studies and my role at State Farm. As a mother, I value community and personal growth, and I’m excited to bring these values to State Farm.

https://www.insuredbyalexandra.com/jobs

Click to view all of Alexandra's current openings!