Geico Boat Insurance Reviews

If I could give them negative 5 stars I would gladly do it! Been with BoatUS insurance for 24 years, but when I have a major claim they are only going to pay 20% of the bill!!! Imagine wrecking your car and your insurance company of 24 years says this!!! Unforgivable. 🤬🤬🤬

This guy Steven P was a jerk. He would not allow my boat to be towed from my anchor spot to my marina without paying full price. I have maintained a gold membership but not for long now. Luckily I got the boat started. Fire that ** for ruining the reputation of a good operation.

They are terrible. Canceled my Policy almost a month after and they're not sending my refund money back to me. Every time I call they say something Completely different than the last person. Have Geico for car insurance, but the boat side sucks.

One of the worst insurance companies I ever had to deal with. Never put in a claim for my boat before. There is zero communication. All I've been doing is sending receipts and videos of the damage to my boat. The adjuster by the name of Fernando is the worst. I have jumped through hoops to settle this claim. It's been going on for two weeks warning do not buy boat insurance from GEICO Marine. I will not renew my policy after this. Everything is a depreciation value. What do these adjusters do all day. It's certainly isn't taken care of the customer.

This company is absolutely terrible. I struck a shoal with the bottom of my outboard. Have had Geico for several years for two different boats. Never filed a claim until this year. Hit rocks with my lower unit. Took all the pictures the adjusted wanted, and brought the boat to the repair shop. Upon tear down it was discovered that the bearing assembly got completely destroyed.

Our 2021 Seadoo jet ski sucked something up in the propeller and shut down. When my husband tried to start it back up it wouldn’t start. Then it took on water, and almost sank. We had to get towed back to the ramp. We took it to the shop and they said something had been sucked up and damaged the inside components and that the engine needed to be replaced because it took on water. We placed the claim with Geico Marine and they denied our claim, stating that “they had concluded their investigation and determined that it was a mechanical malfunction” and they are refusing to cover it. They said there was “no evidence” of an accident of something being sucked up…yet THEY NEVER EVEN HAD ANYONE COME LOOK AT IT!

Over a lifetime (I am 67) I made a few insurance claims. In most cases the process was not very positive, even frustrating. So with that in mind, I never thought I would give a glowing review to any insurance company. But Never Say Never! Here I am doing just that! GEICO Marine Insurance is such a positive surprise! Their treatment of my boat damaged prop shaft claim ($2000) was fair, super efficient and super fast! On a Thursday I reported a damaged shaft that needed replacement. They requested photos, repair work estimate, ownership, and I added a short video as well. The claim adjuster contacted me on a Monday, the money went into my account on the SAME DAY!! I was blown away. Thank You Geico!

GEICO is Deceptive about details of boat policy deductible. Never advised us or mention on the deck page of policy that the deductible is doubled or 5% (they choose the higher) when claim is due to a named storm. So they got us twice in a 11 month timeframe for $2600 deductible during Hurricane Ian (9/22) & Idalia (8/23). When we called recently with questions as our boat is just now done with repairs, we were surprised of this 5% deductible and asked why during a stressful time with a hurricane do they make it worse for the consumer. The response from a girl in her 20's was that's how your policy is written. Teach your secretaries some empathy skills GEICO! Moving on with my boat & auto insurance.

After I had a mechanical failure I called. Explained exactly what happened. They said the boatyard labor was covered 100% and parts were depreciated 80%. After stroking me along for weeks blowing most of our short summer window they inform me that nothing is covered since it was a mechanical failure. Do yourself a favor and stay away from these lying POS. They could have said it wasn’t covered on day 1 but neglected to do so.

This company is a mess. There is almost ZERO human contact. You have never seen a more automated mess of 10,000 ridiculous questions in your life. The bot is absolutely worthless. The hold times are 45 and 50 minutes. The people that called back (after I was hung up on AND 50 minutes later) "cannot find my policy". Hahaha. Don't make this mistake like I did. They are absolutely incompetent, and don't really seem to care. If you have ever seen the movie Idiocracy, this is the insurance company that they should have included in the script.

Do not make the mistake of choosing Geico Boat Insurance as your insurer. I’ve been lied to, misled and cheated. I buy a boat, get insurance within six months. The boat gets partially submerged from a repair that was done prior to me owning the boat that I didn’t even know about. I was literally told I was better off to let the boat sink than to save the boat by their adjuster. They would’ve just wrote me a check was what an adjuster and two managers have told me. Either way they take your money. When you have a true catastrophe they’re not there, I will be filing a complaint with the state of Florida. I wish I would’ve came to this site first and read the reviews. It’s pretty hard to get this low of a rating, but they earned it.

Make it easy to get a quote online and usually cheaper than other companies, Claim process is easy and paid quickly. The issue after spending thousands annually after the 1st claim they won’t renew your insurance.

Been a BOATUS customer since 1992. Had one claim in 2017 for $400. Experienced an issue with an engine and claimed wear and tear without a proper maintenance and visual review from adjuster, which by the way had no experience with anything boat related. Just another claim denier to help the company maintain a profit. Terrible service. I DO NOT RECOMMEND GETTING INSURANCE FROM THEM!!!

I had my boat motor stolen! I discovered they wanted me to do the role of their claim examiner! Unknown hidden coverage issues! Deflate "value 80%?". Then even having no deductible they are "deducting 500 dollars". There seems to be an opportunity for a class action here! Interested people please like!! So annoying I've been insured through West Marine since 1995?. I'd like to bill them my time working as their claim examiner!!

They kept taking an additional 200 from price agreed and kept raising and raising the price without notice because the law protects them when you set on auto-pay due to hidden print in contract. Be careful, go somewhere else. This is not a good business!!

They canceled my insurance coverage and never called me or sent a letter. No email. No nothing. I use their app and it said I was covered. I had proof of that, and they still refused to cover my claim. I had no idea my boat wasn’t covered at the time I took it out. I’m now canceling all of my Geico policies because of how I have been treated. They even tried to tell me they did send a letter saying my policy was canceled, but that was a complete lie. I never got any letter.

I bought a brand new boat in 2020. I added the boat as a brand new boat thinking the trailer was covered being that it was financed as a complete package. Little did I know they never added the trailer! Looking over the declaration page it shows trailer included but because there was not an amount, it actually was not included. It’s a good thing I found this out before something happened to the trailer. I got nothing but a runaround. I will be changing insurance companies and recommend for other people to go elsewhere where the employees can better assist you in understanding your policy before you pay for it.

First claim with Boat USA, Geico Marine, TERRIBLE customer service. The adjusters NEVER returned my calls. I never have a clue what is going on, they never inform me. I called many times, and only once did someone answer the phone and they were quite vague. After TWO MONTHS, they finally sent me an 'Estimate' of 'their' decision, which did NOT even address the route problem, and was for 1/3 of the actual costs for repair. It's now time to call my attorney. I can not believe the poor service and response I have received. I have been a customer of Geico for OVER 35 years. It's time to switch insurers.

If you are able to insure elsewhere, it would be a smart choice.

I am writing to express my disappointment and frustration with the service I received from Geico Marine. I have never been so dissatisfied with a company before, and I feel compelled to share my experience with others. I recently had to file a claim with Geico Marine, and the process was nothing short of a nightmare. From the very beginning, it was clear that the customer service representatives had no interest in helping me or resolving my issue. They were unresponsive, unhelpful, and at times, even rude.

DO NOT USE GEICO MARINE! Poor customer service. Danielle is rude and unprofessional. She needs to be retrained! You have to fight for months for payment for repairs. Not worth the savings. Keep looking.

Poor customer service. Filed a claim over 2 months ago and still waiting. Spoke with Tiffany. They are still pushing papers around. No answers only a bunch of I'm sorries. Well Im sorry I chose Geico marine for insurance

First, Geico raised my deductible because of a "named" storm. Pretty convenient knowing that the insurer will likely get screwed for a situation beyond their control. Secondly, I called to report damage to my boat after hurricane Ian. Geico sent a person who admittedly stated they knew nothing about boats. I explained, in detail, the damage. The adjuster only took photos and DID NOT write anything down. A few days went by and I called to check the status of my claim. I was told the damage barely met my deductible. How convenient! I requested to speak with the adjuster. I was provided with a name and number. This was a different person.... NOT the person who came to my house. I learned that the person who came to my house only submitted photos to another adjuster with NO explanation of the damage which would correspond with the photos.

Recently had damage to my boat. Was trailering it to our lake and hit a pothole in the street due to a lot of construction going on. It damaged one side wheel and had to replace hub, bearings, etc.. A week later putting the boat back in the water the bow eyelet had pulled out on the lower side due to the bouncing from the pothole a week earlier. Came home and used my borescope to take pictures over the front tank of the backside of the eyelet it had pulled through the fiberglass backing. Called Geico and the fun began. Told them what happened and the adjuster started asking for the old parts I replaced on the trailer and receipts. I told them I fixed that, had to to be able to move it. I don't keep old parts around. I throw them out and didn't discover this damage until a week later. They insisted on the receipts and all I had was extra parts new from the repair and the parts store doesn't keep records of parts they don't warrant.

I spoke with Alazia, she was beyond helpful/friendly/great attitude. She helped me get things figured out from beginning to end of the phone conversation. I needed to have something explained, she explained it, sent a document that was helpful and something that I needed to do.

After years of faithfully paying our high premiums with no claims, Geico decided to drop our insurance with no notice because we weren't written with them directly. Apparently they will not rewrite us nor any other boat being dropped because they've made a decision not to ensure boats over 30 years old regardless of their condition. I feel deceived and they should be made refund clients they know they stole money from!! They knew when we bought our policy they wouldn't renew and never disclosed it to us only to get another year's premium! Never will get a dime from us again, do yourself a favor and switch to an ethical company!

Worst claim experience in my life! Geico marine would not allow a mechanic to investigate the damage completely. Using an incomplete quote they are offering me a settlement that does not address damage caused by a fire due to their clients negligent operation of a boat. 5 weeks after the accident and I am still going back and forth with them and will need to retain an attorney. Avoid at all cost, go with Progressive or any other insurance company.

The rear of my boat sank due to a defective lift in late 2017. I found out that GEICO sent an UNLICENSED ADJUSTER from Key West and my claim is denied. I will make a complaint to the State of Florida.

After dutifully paying premiums timely for 12 years, I finally suffered damages due to surge from Hurricane Sally lifting my always covered and sheltered boat into the top of the boathouse breaking the left windshield and frame. After trailering the boat to the purchase dealer and getting them to send a repair estimate to the assigned adjustor, I received a letter from GEICO indicating a 40% depreciation and named storm deductible that netted me zero. I feel foolish for sending these scoundrels my money for all these years.

Geico pulled a Total bait and switch with our insurance quote for our boat! Beware! Even after receiving the quote and within the timeline to honor and within the period stated, after researching other options, we went to find on the last day available to accept the quote, the premium mysteriously went up $700 (in four days.) When we objected and asked them to honor the quote we had in writing, Derrek (the manager) reviewed our email and case and said “sorry, rates have went up”. Not for us! We promptly signed with Travelers for the same price as the original Geico quote. We will NEVER insure anything with Geico and will tell friends and family of our experience. Totally shameful!!

My boat was damaged over 50 days ago and they are stalling to pay. They don’t answer phones, emails in a timely manner. I have caught them in numerous lies throughout the process. They have switched agents on me four times. One agent recently told me it could take over a year to resolve in some cases. I have used Geico for car insurance since I learned to drive and always a great experience. Boat, another story. One thing about me is I won’t give up.

I was out trolling when my engine started spewing oil and water through the carburetor. I got towed in and called Geico Marine, they said take to a shop and get an estimate, so I did. They have no adjusters for boats in Idaho so they hired an outside adjuster. The boat shop tore my motor down to find cracks. In the intake manifold and geico said it was wear and tear. When you take your boat to a shop for maintenance you should have intake manifold removed and inspected (Who does that?) so it was not covered even though the mechanic had never seen that happen before.

I had just purchased a 1994 Blue Water Eagle 180 and was towing it home when my Ford F350 Turbo Diesel just quit on northbound interstate 15 near Norco. I had AAA classic, which covered my truck for 7 miles but did not cover the boat. For the 18 mile trek to my house, I paid $110 for the 11 miles not covered, and paid $500 to tow the boat home. I called Geico Marine the next day and asked them if any of my existing boat policies (I had 3 at the time) which all cover over the water and over the road towing would cover towing this boat that was not yet insured. As it turned out, it was covered, and I just received the check for $500. I'm very grateful to Geico for making this process so easy and painless.

Stop the idiotic commercials and hire some competent personnel. If you're a lizard you will drown with Geico Marine, from policy inception to claims the worst customer service of any insurance company ever! I have been with Geico for over 4 years. Now that I have a claim these clowns have drag this on for 15 weeks and counting. I call each week, they tell me they need a new document. I submit it and then next week it's another document. They asked for the bill of sale. I told them I didn't have one but I gave them a copy of the title. Still not good enough. I would not insure a thing with Geico.

Beware of Geico Marine Insurance. I had a policy for quite some time and had no claims, and then a freak storm came through and my pontoon received substantial hail damage. Prior to the hail damage my boat was basically new.. They sent an adjuster out that drove almost 4 hours to get here. He then writes an estimate that I knew was extremely low. I then took my boat to the dealership and they told me that the estimate that Geico wrote wouldn’t even begin to cover the damages. So they wrote an accurate, and correct estimate. I then called Geico and informed them of this. They told me to Email the new estimate to them, and I did..

All I need is liability insurance so I can haul my boat. Most boatyards require it. After wasting money on a survey I was told my boat was too new, too big and too expensive for liability only. I would have to buy complete coverage to the tune of $12-14,000/yr. I am retired on SS and a modest IRA. I built the boat (43’ Catamaran) over 7 years and I am personally willing to accept responsibility for personal losses. Insurance company greed. They are trying to force me to buy something I do not want or need. Shame on Geico through BoatUS.

I filed a claim for a Jet ski that was totaled and was told that Geico Marine would pay the claim for the damaged craft and give 20% towards the purchase of a new Jet Ski of equal or lesser value. The agent who handled my claim (Keela) specifically told me that I would have up to three years to use the 20% which ends today 8/19/2019. Over the past few days, I tried to find out about utilizing the 20% towards the purchase of a new Jet Ski and was told I only had up to one year. She now claimed we never had any conversation about the time-frame and lied to to avoid paying up what had been agreed to.

Hit a submerged object and DESTROYED the entire out drive. The pinion gear exploded and rained pieces of metal throughout the drive upper and lower. Boat US (Geico) insurance Co is ignoring me and or keeps asking for documents and pics I gave them 2 weeks ago. I need some advice. If I can not get approved within a week I'll miss the whole season of using my CY (The only shop in my area that can get to it now mechanic is going to Canada in 2 weeks for months).

If you have a lien holder Geico will put their name on the check. The problem with that is the lien holder will not endorse. They send it to the repair shop where the estimate was done. Case in point, I could have bought a whole brand new lower unit for less than they could repair it for. Basically all the money is invested in labor not parts. You can't get resale on labor. The finance company was Aqua Finance. We are refinancing with someone else and finding a different insurance company. There are idiots to say the least.

After eighteen years of insurance with BoatUS/Geico I had my first claim while backing my boat off trailer with one year old impeller. I ran into mud/goo and had to power through it to get out. The engine alarm went off and I killed engine after about one minute. The engine sustained overheating damage. Geico denied the claim stating insufficient evidence of root cause of overheating. Will definitely find another company to insure my boat. Beware of companies who look for reasons not to cover claims.