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Boat Insurance

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Boat Insurance Coverage

Watercraft Liability

Covers property damage and bodily injury you cause to other people with your boat.


Covers damage to your own boat caused by a collision with another watercraft or object.


Covers damage to your own boat caused by something other than a collision.

On-water Towing

Provides towing back to shore if your boat becomes disabled on the water.

Fishing Equipment

Covers lost or stolen fishing equipment, like rods and reels.

Medical Payments

Covers medical expenses for you or guests that are injured in an accident.

Uninsured / Underinsured Liability

Covers bodily injury damages you’d normally receive from a boater that has too little or no insurance.

Wreck Removal

Covers the cost of retrieving your sunken boat, when required by law.

What is boat insurance?

Boat insurance helps protect you and those to whom you might cause damage or injury. Watercraft liability covers bodily injury and property damage you cause to others. In addition, you can cover your own property: be it the boat itself, your trailer, fishing equipment, and more.

Minnesota boat insurance - Man driving a boat with a woman seated in front.

Watercraft Covered

Bass boats


Fishing boats

Jet boats

Jetskis / Waverunners



Ski boats

Wakeboard boats


And more

Learn More

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    5 Tips for Boating Safely

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  • Nighttime Boating Safety

    Nighttime Boating Safety

    Shedding Some Light on Boating in the Dark A warm evening in Minnesota can be a wonderful time for a cruise on your boat. But, just like when you’re driving a car after sundown, it’s important to make some adjustments to keep yourself and others safe. Here are some tips to ensure you’ll make it+…

Woman using a computer and cell phone

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