Boat insurance that keeps you afloat.

The lakes and rivers across Minnesota, Iowa, and Wisconsin offer endless opportunities for boating—whether you’re casting a line, cruising with family, or exploring the shoreline. The right boat insurance helps keep those days worry-free. From Rochester to the surrounding region, we’re here to help you find coverage that fits your boating lifestyle.

What does boat insurance cover?

Liability Coverage

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Liability coverage protects you if you're responsible for an accident that causes injury to others or damage to their property while operating your boat. It's essential for covering legal fees and potential settlements.​

  • Bodily injury liability​
  • Property damage liability​
  • Legal defense costs​

Physical Damage Coverage

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This coverage helps pay for repairs or replacement of your boat if it's damaged in an accident, regardless of fault. It includes both collision and comprehensive protection.

  • Collision with another vessel or object
  • Theft, vandalism, or fire
  • Storm or flood damage​

Personal Property and Equipment Coverage

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Protects personal items and specialized equipment on your boat, such as fishing gear or navigation systems, against loss or damage, ensuring your valuable belongings are covered.

  • Fishing equipment​
  • Electronics and navigation tools​
  • Safety gear and personal items​

Emergency Assistance Coverage

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Provides support services if your boat becomes disabled on the water, including towing and fuel delivery. This coverage offers peace of mind during unexpected situations.​

  • On-water towing​
  • Fuel delivery​
  • Emergency labor costs​

Common questions about boat insurance.

  • Is boat insurance required in Minnesota?

    While Minnesota law doesn't mandate boat insurance, it's highly recommended to protect yourself and your investment. Additionally, some marinas and lenders may require proof of insurance.​

  • Does my homeowner's policy cover my boat?

    Homeowner's insurance may offer limited coverage for small boats, but it often doesn't provide comprehensive protection. A dedicated boat insurance policy is advisable for adequate coverage.​

  • What factors affect my boat insurance premium?

    Premiums are influenced by factors such as the type and value of your boat, usage patterns, storage location, and your boating experience.​

  • Can I get discounts on boat insurance?

    Yes, many insurers offer discounts for safety course completion, bundling policies, and having safety equipment on board. It's worth discussing available discounts with your agent.

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