01
Hull cover that pays
Agreed-value protection for collision, sinking, fire, theft and storm, settled at the policy number, not depreciated.
AiM · Boat insuranceUSA & Canada · 85+ marine clients
Trusted by boat owners
- USA & Canada
- 85+ marine clients
- 12 marine carriers
- Agreed value
- Reply in 24 hours
$1,247+Avg. annual savings
85+Boat clients
12Marine carriers
Cumulative results across Car Concierge Pro and AiM services since 2019. Average annual saving is per negotiated policy. Individual results vary.
What AiM does for you
Same hull,
tighter premium.
We benchmark twelve marine specialists on your exact navigation territory and lay-up profile: same agreed value, same limits, lower number on the bill.
Asking whether boat insurance is worth it, or how much boat insurance should cost per year? Put your hull value into the savings calculator, and read the marine coverage guides before you renew. Over 65 feet, start on the yacht program instead.
If the number on this year’s renewal is the problem, why your boat or yacht insurance went up takes hull valuation, survey age, cruising area and storm exposure in order, and the line-agnostic version, why your insurance renewal went up when nothing changed, covers what moves any premium.
Clause by clause, the four that decide a marine price are agreed value versus actual cash value on a hull policy, when a marine survey is required and what it changes, navigational limits and named-storm haul-out clauses and how a lay-up period changes a boat insurance premium. Before you compare two quotes, how to compare a renewal against last year’s declarations page finds the coverage change hiding inside a price change.
02
On-water liability
Bodily injury and property damage to other boaters, swimmers, marinas and waterfront property, including legal defense.
03
Towing & emergencies
On-water towing, fuel delivery, soft ungrounding and trip interruption. Most owners never realize this is negotiable.
04
Gear & personal effects
Fishing equipment, electronics, watersports gear, dive equipment and personal property aboard, at replacement cost.
Why does this matter?
Marine carriers price the same hull wildly differently.
The same hull, the same navigation limits and the same agreed value can be priced very differently by two marine carriers, because they hold different views of the risk and different appetites for it. Most owners only ever see one of those prices. AiM collects them so you are choosing between quotes instead of guessing about one.
Pricing
Aligned with your savings.
Our pricing is built around the savings we deliver. You only pay when you benefit, and the terms are the same on every page of this site.
No savings, no fee
$0
If we can't save you money
No retainer, no consultation fee, nothing to cancel.
Success-based
25%
Of your first-year savings
Charged once, on what we actually save you in year one.
New-policy placement
$149
Flat, one time
Only where there is no existing premium to negotiate against — a first car, a newly closed home, a newly bought boat.
Get my free quote
25% of first-year savings · $149 flat fee for new-policy placement · $0 if we find no savings
How it works
Four steps,
about a week.
From your current marine policy to a side-by-side comparison sitting in your inbox. We do the work; you decide what to do with the savings.
Step 01
Send your policy
Share your existing marine policy details. Five minutes, no card.
≈ 5 min
Step 02
We benchmark 12 carriers
We price your hull, navigation territory and lay-up profile against every major marine specialist.
2 to 3 days
Step 03
Savings report
If we find a better rate at the same agreed value, we email a 1-page side-by-side comparison.
Same week
Step 04
You decide, we handle it
Renegotiate with your current carrier or move to the better one. We handle every form either way.
When ready
Ready when you are
No upfront cost.
Trusted by owners
85+ boat owners served, and counting.
Marine premiums climb every renewal. Most owners only ever see one quote. Owners across the USA and Canada hand us the renewal notice instead and let AiM benchmark twelve marine carriers before they sign it.
Frequently asked
Answers to common questions.
What size and type of boats do you cover?
Personal watercraft, bowriders, center consoles, pontoons, sailboats, cabin cruisers and offshore sport-fishers up to 65 feet. Above 65 feet typically routes into our yacht program. We'll tell you which makes more sense.
Does my boat policy cover trailering and storage?
Yes, most carriers cover the boat in transit on a trailer, in dry storage at marinas, and during winter haul-out. We confirm the navigation territory and lay-up provisions match how you actually use the boat.
Will my boating record affect the rate?
Cleanly. We negotiate experience credits for completed boating safety courses, multi-year clean records and Coast Guard licenses. Most carriers will knock 10 to 25% off if asked. They don't volunteer it.
Do you handle saltwater and offshore navigation?
Yes. We negotiate extended navigation territories: coastal, Bahamas, Caribbean and trans-Atlantic, with proper salvage and towing limits matched to where you actually run the boat.
What does the review cost?
Nothing upfront. If we find no savings you owe nothing. When we do save you money we keep 25% of the first-year savings, and a flat $149 applies only where there is no existing premium to negotiate against -- a first car, a newly closed home, a newly bought vessel with no cover yet.
More from AiM
Explore other services.
One team. Same negotiation playbook. Better premiums on every policy in your life: auto, home, marine, aviation.
Still weighing it up? Read exactly what we charge, what recent clients saved, or how negotiating compares with doing it yourself, an agent or a comparison site.