Boat insurance - pontoon in the ocean

Boat Insurance

Get help finding quality boat insurance

Get boat insurance quotes fast and free from up to 25 insurance companies. We comparison shop to help you find great coverage, personalized to your needs, without overpaying. And if your needs change in the future, we can help you find a new insurance company that better aligns with your changing lifestyle. Serving MN, IA, & WI from our office in Rochester, MN. Request quotes or contact us to get started.

Boat insurance - woman sitting in a boat in first person view

What is boat insurance?

Boat insurance helps protect you, your passengers, and other people on the water. Boating and water activities can be a lot of fun but also come with a lot of risk. An accident can quickly become expensive, so it’s a good idea to review your watercraft insurance options with a pro.

A basic policy will include watercraft liability, which covers property damage and bodily injury you cause to another party with your boat. In addition, you can add coverage for passenger injuries, physical damage, uninsured and underinsured boaters, wreck retrieval, on-water towing, and much more.

If you’d like to learn more about the basics of boat insurance, contact us, or check out info from the Insurance Information Institute.

How to find great boat insurance rates

1. Figure out what coverage you need

It’s important to know what you’re looking for before getting quotes. Some companies will undercut price by removing valuable coverage. If you aren’t sure what coverage you need, we’ll help you out!

2. Get quotes from a bunch of insurance companies

Insurance companies target different customers based on a variety of factors, including age, driving history, location, and much more. It’s difficult to know which companies will offer the best rates, so you just need to get quotes from a lot of them. Fortunately, we take care of the comparison shopping for you!

Boat Insurance Coverage

There are many coverage options available. The coverage you need will depend on a number of factors, like the style and size of your boat, how you use it, where you use it, and more. Below are some common coverages but this is not an exhaustive list. Upon learning more about your situation, we can suggest coverages that might be a good fit.

Watercraft liability

Covers bodily injury and property damage you cause to another party.


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


Covers damage to your boat caused by an incident other than a collision.

Trailer coverage

Covers physical damage to your boat trailer caused by an auto accident.


Provides you bodily injury coverage when you’re in an accident with a boater that has too little or no insurance.

Medical payments

Covers medical expenses for you and passengers that are injured in a boat accident, regardless of fault.

On-water towing

Covers the cost of getting towed back to shore, if you boat becomes disabled on the water

Wreck removal

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

Insurance Companies

We strive to work with highly rated insurance companies in order to provide our clients with quality coverage at a great price. Below is a partial list of companies we offer. We are constantly exploring new partnerships and adding additional options, so check back often to see our updated list of carrier partners.

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We compare rates to help you find quality coverage at a great price.