The best coverage at a great value for people who love boats.

What Qualifies for Hagerty Collector Boat Insurance?

Hagerty provides insurance for many different types of boats, ranging from wooden boats to classic fiberglass boats. So, how do you know if your boat qualifies for coverage through Hagerty?

Fiberglass Boats

We'll consider most collectible fiberglass boats with a model year that is eight years old and older. The most collectible fiberglass boats are runabouts from the '50s and '60s. Whether you own a Donzi Ski Sporter or a Glasspar G3, we have the right coverage to protect your boat.

Wooden Boats

Hagerty proudly insures most classic wooden boats. Whether you own an original Chris-Craft, Century, Gar Wood or a high-quality reproduction of a classic boat, we've got you covered. If it's collectible, made of wood and in good to excellent condition, Hagerty likely insures it.


Runabouts typically range in size from 14' to 33' and are characterized by a closed top deck with individual cockpits for seating. Examples include barrel back designs, larger triple cockpits and gentleman's racers.


Utilities typically range in size from 12' to 30' and are characterized by a large open interior with only the top deck forward of the windshield. They are some of the most popular designs, as the open interior lends them to a wide range of activities.


These vessels range in length from 16' to 30'. They are an open configuration usually with seating able to accommodate several passengers. The earliest versions were powered by steam with later versions having small single cylinder gas powered engines.


Cruisers typically range from 26' on up. There are several design types including: Sedan, Aft cabin, Flush deck, Express, Sportfish and others. Cruisers have enclosed cabins that typically allow for overnight stay. They usually include a head, galley, systems to provide power, and store water and waste. Out-of-Water Value and Condition Survey required.


Sailboats range from 12' open boats to much larger vessels with full cabin facilities. There are several specific design types: Yawl, Gaff rig, Cutter, Catboat, Sloop and many others. An Out-of-Water Value and Condition Survey required for sailboats over 26' with cabin facilities prior to coverage. Club racing is permitted.

Other Hull Materials

Select examples of other hull materials such as steel or aluminum may also be considered.

Restoration Coverage

Whether you’re restoring the craft yourself or using a professional facility, the Hagerty Port Risk policy assures that you're covered. This includes fire, theft or vandalism as well as coverage while the boat is being transported overland. We will work with you to maintain the appropriate value while the boat is being restored. When your restoration is complete, navigation can be added for full in-water operation.​