Protection for Your Watercraft & Peace of Mind
Whether you cruise Lake Lanier, store your boat in a marina, or hit the rivers, we help Duluth boat owners find affordable, customized coverage with Concierge Insurance Group.
Owning a boat in Duluth, GA comes with freedom and adventure, but also responsibilities. From weekend lake trips to long hours on Lake Lanier, protecting your investment is crucial. Whether it’s a small fishing boat or a luxury yacht, having the right insurance ensures you can enjoy the water with confidence, knowing you’re covered against unexpected events.
At Concierge Insurance Group, we specialize in helping Duluth boat owners find personalized policies that fit their lifestyle and budget. From liability protection to comprehensive hull coverage, we make sure every detail is handled so you can focus on enjoying your time on the water.
Boating should be fun — but the risks are real:
Without the right insurance, one incident could sink more than just your day on the water.
You don’t have to figure this out alone. At Concierge Insurance Group:
Here are the standard and optional coverages we help Duluth boat owners include:
Here’s what boat insurance costs in Georgia — and what many Duluth boaters are paying:
| Policy Type / Coverage | Typical Cost in GA (Liability / Full Coverage) |
|---|---|
| Liability-only policies | $100/year or less for smaller boats or infrequently used watercraft (Progressive) |
| Most recreational boats | $200–$500/year for standard coverage (boat + motor + liability + trailer) (Edison Insurance Agency) |
| High-value boats / yachts | $1,000+ / year, depending on value, usage, storage, and custom features (Ahoy! Insurance) |
“One Progressive Georgia policy quotes liability-only boat coverage starting as low as ~$100/year.” (Progressive)
What drives your price depends on:
No state law requires it, but marinas, lenders, and loan agreements often do. (EZ Dock)
Yes — most policies let you insure trailer damage or storage damage.
Usually only very limited coverage (some small craft, low horsepower) for personal property. Big exposure areas (motor, trailer, liability) are often excluded.
It depends on how much you want to protect: even a small accident can involve large damages. Most boaters combine it with hull coverage and liability of at least $100,000–$300,000.
