Boat Insurance Quote
Get a boat insurance quote before you hit the water. We compare rates from top marine carriers to find coverage that fits your boat, your boating style, and your budget.
Missouri has over 100,000 registered boats. Lake of the Ozarks. Table Rock Lake. Mark Twain Lake. Truman Lake. If you own a boat in Missouri, you need proper protection.
Your auto policy won't cover your boat. Neither will your homeowners insurance, despite what some boat owners assume. Boats need their own specialized policy.
What Boat Insurance Covers
• Physical damage (hull coverage) - Collision damage, theft, vandalism, fire, and storm damage to your boat.
• Liability coverage - If you injure someone or damage their property while boating. Medical bills, property repair, and legal defense.
• Medical payments - Covers medical costs for you and passengers, regardless of fault.
• Uninsured boater coverage - Protects you when an uninsured boater causes damage or injury.
• Towing and assistance - On-water towing when your boat breaks down or runs out of fuel.
• Personal effects - Coverage for fishing gear, electronics, and personal items on board.
• Trailer coverage - Protection for your boat trailer during transport and storage.
What Type of Boat Do You Have?
We insure all types of watercraft. Each has different risks and coverage needs:
• Pontoon boats - Popular on Missouri lakes for family recreation.
• Bass boats - High-performance fishing boats with specialized electronics.
• Ski boats - Wakeboarding, waterskiing, and tow sports.
• Fishing boats - From jon boats to offshore fishing vessels.
• Personal watercraft (jet skis) - Fast, maneuverable, and higher risk.
• Sailboats - Wind-powered vessels with unique coverage needs.
• Cabin cruisers - Larger boats with living accommodations.
Each boat type has different risk factors. Each carrier prices them differently. Comparing quotes matters.
Why Work With a Broker for Boat Insurance?
Boat insurance isn't one-size-fits-all. Some carriers specialize in high-performance boats. Others focus on fishing boats and pontoons. Some are strict about navigation limits. Others offer broader cruising areas.
We know which carriers work best for which situations. We match your boat to the right insurer.
We also bundle. If you have auto and home insurance with us, adding boat coverage often triggers a multi-policy discount across all your policies.
What Affects Your Boat Insurance Rate?
• Boat type and value - More expensive boats cost more to insure.
• Horsepower and speed - Faster boats have higher liability risk.
• Where you boat - Lake, river, coastal, and offshore navigation all price differently.
• Your boating experience - Experience and safety courses can lower rates.
• Storage method - Marina, dry stack, trailer, or boat lift affects rates.
• Navigation limits - Restricting where your boat can go can reduce premiums.