Marina insurance premiums keep climbing, coverage gaps persist, survey finds

Marina Dock Age surveyed marina operators across the United States in January and February 2026, drawing responses from facilities ranging in size from fewer than 50 wet slips to 500 or more, and published the results on April 1. More than half of respondents said their most recent policy renewal brought a premium increase of 1% to 10%, and another 28% reported an increase of 11% to 25%. Looking back three years rather than one, 59% said their cumulative increase landed between 1% and 25%, while 32% said premiums had climbed 26% to 50% over that stretch.

The survey also asked whether current coverage matches what operators actually need. 40% called themselves fully insured with appropriate limits, 28% said their coverage is mostly adequate but may have gaps, 18% described themselves as somewhat underinsured because they would prefer higher limits than they can currently justify, and 4% said they are significantly underinsured. Among operators who said they lack adequate coverage, cost was the primary barrier: nearly 38% cited premiums that are already too high.

Marina Dock Age did not publish a total respondent count or a detailed sampling methodology alongside the results.