Bass boats, pontoons, runabouts and personal watercraft — covered on the water, on the trailer and in storage.
Watercraft coverage generally includes liability for injury or damage you cause, physical damage to the hull, motor and trailer, medical payments for people aboard, and uninsured boater coverage when someone else causes the accident and has nothing. Most policies also include some wreck removal obligation, which can be a substantial cost on its own.
A separate policy matters because homeowners coverage for watercraft is usually narrow. Small boats with low-horsepower motors may get limited coverage under a home policy, but anything with real power is typically excluded or capped well below its value.
This is the most consequential choice on a boat policy. Agreed value pays a stated amount at total loss with no depreciation applied. Actual cash value pays what the boat was worth the day it sank, which after several seasons can be far less than the loan balance.
Agreed value costs more up front and is generally worth it on a newer or financed boat.
Coverage while trailering matters as much as coverage on the water. The trailer itself, and damage to the boat during transport, need to be handled explicitly. Liability while the boat is being towed usually falls to the towing vehicle's auto policy, which is one more reason to keep the boat and the truck in the same place.
Policies also define a navigational territory — the waters where coverage applies. For most lake boating in this region that is unremarkable, but it is worth checking if you trailer long distances.
Many policies reduce or suspend certain coverages during a defined off-season layup period, in exchange for a lower premium, while keeping storage perils covered. Confirm the dates so an early spring launch does not fall outside them.
Worth reading before renewal: how a boat claim actually pays, why liability matters more than hull value, and how where you run the boat changes coverage.
We can insure many types of boats and personal watercraft: pontoon and tritoon boats, bass and fishing boats, ski and wake boats, powerboats and runabouts, bowriders, personal watercraft including Jet Skis, Sea-Doos and WaveRunners, sailboats, boat trailers, and many other recreational watercraft.
Our customers boat all over the region — Table Rock Lake, Lake of the Ozarks, Stockton Lake, Grand Lake O' the Cherokees, Beaver Lake, Lake Eufaula, Keystone Lake and the other major lakes across Missouri, Kansas and Oklahoma.
Whether the boat lives at home, at a marina, or in the water all season, we will review coverage for the boat itself, liability, the trailer, fishing equipment and personal belongings, uninsured boaters, on-water towing and the rest of the options available.
Give us a call. Eligibility depends on the type of watercraft, its value, length, horsepower, speed, age and condition, and how it is used. Some commercial, charter, extremely high-performance, homemade and other specialized watercraft may not qualify for the programs we offer.
We will tell you quickly whether we have a market for your boat, and what your options look like either way.
Usually only small, low-powered boats, at limited amounts. Anything with significant horsepower or value typically needs its own policy.
Agreed value pays a stated amount at total loss without depreciation, which protects you on a newer or financed boat. Actual cash value costs less but can leave a gap against a loan balance.
It needs to be addressed specifically. Many boat policies can include the trailer, and liability while towing generally falls to the auto policy on the tow vehicle.
Usually yes if they have permission, subject to age and operator restrictions in the policy. Those restrictions vary by carrier and are worth reading before handing over the wheel.
Tell us what you need covered and we will shop it across dozens of carriers.