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Boat Insurance — Protecting Your Yacht & Motorboat | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Boat Insurance

On Course.
Safely Insured.

Whether sailboat, motorboat, or yacht — boat insurance protects you from the financial risks on the water.

On the Water — Safe and Insured

Whether sailboat, motorboat, or cabin cruiser — as a boat owner, you need at least liability insurance. Hull insurance additionally protects against damage to your own boat. We know the specialist insurers and advise you on the optimal coverage for your watercraft.

Insurance Components

Boat Liability Insurance

Mandatory insurance for motorized boats — protection against damage to third parties.

Boat Hull Insurance

Protection for your boat in case of collision, storm, fire, theft, and vandalism.

Machinery Breakdown

Engine and drivetrain damage — even without an external incident.

Trailer Insurance

Protection for your boat trailer during transport and storage.

Which Boats Are Covered?

Sailboats

From dinghy to ocean-going yacht — liability and hull insurance.

Motorboats

Liability insurance often mandatory, hull insurance recommended for higher-value vessels.

Jet Ski & Water Sports

Specialist rates for jet skis, wakeboard boats, and inflatable boats.

Charter Boats

Skipper liability and deposit insurance for charterers.

What is covered?

Versichert

Nicht versichert

How We Insure Your Boat

Record Boat Details

Type, length, engine, year of manufacture, and mooring location.

Define Sailing Area

Inland waters, coastal, or offshore? The sailing area determines the premium.

Choose Coverage

Liability, partial coverage, comprehensive coverage, and optional add-ons.

Start Insurance Coverage

Finalise the policy — your boat is insured immediately.

Frequently Asked Questions

Liability insurance is mandatory on many waterways for motorized boats. For sailboats without an engine it is voluntary, but strongly recommended.

Highly dependent on boat type and value. For a €30,000 sailboat, expect approximately €400–800/year for liability + hull insurance.

Yes, most policies offer year-round coverage — including during winter storage on land.

If you charter boats, a separate skipper's liability insurance is advisable. It covers your personal liability as the boat's operator.

Request Consultation

Free and non-binding — your personal insurance comparison.

Insure Your Boat with Confidence

We find the right insurance coverage for your watercraft.

Schedule a Consultation 0711 · 2172 3240

On Course.Safely Insured.