Boats. RVs. Homes. Motorcycles. Cars. Life around Branson and Table Rock Lake isn't just about the car in your driveway. It's the pontoon at the marina, the bass boat on the trailer, the RV headed to the campground, the motorcycle in the garage and the home waiting when you get back. Auto Insurance Express helps protect the things you own and enjoy.
Around Branson and Table Rock Lake, insurance is rarely just about the car. A household here might own a primary home and a lake house, two trucks, a pontoon, a jet ski, a motorcycle and a travel trailer, with some of it in Taney County and some in Stone County. Each of those needs the right coverage, and they need to fit together so the liability limits line up and nothing falls through the gaps.
That's how we approach the lake market: look at the whole household and the things you own and use, not one isolated policy.
Table Rock has more than 800 miles of shoreline, 14 public marinas and 24 public boat launches, according to the Table Rock Lake Chamber of Commerce. On a summer weekend that means pontoons in the coves, bass boats on the points at dawn, ski boats pulling tubes, and jet skis everywhere in between. Each raises different insurance questions.
Some owners keep a boat in a marina slip all season. Others tie up at a private or community dock at a lake house, or trailer to a public launch each trip and store the boat at home, in a storage building or in winter dry storage. When we quote, we'll ask how and where the boat is kept, because the insurance company will want to know, and because it affects which coverages matter most:
Available coverage may include:
Not every coverage is automatically included, and availability varies by company and boat. We'll tell you what's included in each quote and what's optional.
The boat is rarely the most expensive thing at risk on a crowded weekend. An injured guest who falls during a sharp turn, a tuber thrown into a dock, or a collision near a marina can produce a claim larger than the value of the boat. Many owners carry higher liability limits, and an umbrella policy that extends to watercraft. Liability for passengers, skiers and tubers.
Missouri requires anyone born after January 1, 1984 to have completed boater education to operate a vessel on Missouri lakes, and the rule applies to nonresidents too. The Missouri State Highway Patrol offers boating safety classes. Tell us who regularly drives your boat so the policy reflects them.
Get a Table Rock Lake boat quote Call about boat insurance
Table Rock Lake boat insurance → · All boat insurance · PWC and jet ski insurance
Family and recreation use, often with the most people on board. Passenger liability and medical payments matter, and newer tritoons with big outboards carry real value.
The boat, the trailer and the equipment: graphs, trolling motors, rods and tackle. List what you carry so it's counted.
Jet skis and other PWC, often lent to guests and teens, which makes liability and operator rules important.
Higher-value boats, towers and audio, and the added liability of pulling skiers, boarders and tubers.
Campgrounds, RV parks and lake resorts around Branson and Table Rock fill up every season, with everything from pop-up campers to Class A motorhomes. We insure:
The insurance is structured differently. A motorhome is a vehicle you drive, so it needs its own liability coverage plus physical damage. A travel trailer or fifth wheel is towed: liability while towing generally comes from the truck's policy, but damage to the trailer itself, and the belongings inside, needs its own coverage. Travel trailers and your truck's policy.
Available coverage may include physical damage, liability, vacation liability while you're parked at a campsite, personal belongings, roadside assistance and towing sized for large vehicles, emergency expenses if a breakdown strands you, total loss replacement on newer units where available, storage-period options for the months it sits, and full-timer liability where applicable. If your RV is totaled · RV storage insurance.
Get an RV / camper quote RV insurance →
For a home you live in, we look at the terms that decide what a storm claim pays before we compare price: dwelling coverage at today's rebuild cost, how the roof is settled after hail, your wind and hail deductible in dollars, water backup, personal property and liability. Replacement cost vs actual cash value · Wind and hail deductibles · Water backup.
A lake house you use on weekends isn't the same risk as a home you live in every day, and a standard homeowners policy doesn't automatically fit every second-home situation. Things that matter:
Long-term rentals are typically insured on a landlord policy, with building coverage, landlord liability and loss of rents. Short-term and vacation rentals, like nightly or weekly rentals through a listing site, are a different risk: furnished, frequently changing guests, and income that depends on the property being available. An ordinary homeowners policy generally isn't designed for that activity. We may have options depending on how the property is occupied and rented, so talk to us before you list it.
Two cars, a home, a pontoon, a motorcycle and a travel trailer is a pretty normal lake household. If your insurance is spread across several companies, it may be worth reviewing the household together. We'll look at available options for your auto, home and recreational vehicles rather than assuming one arrangement is automatically best, and line up liability limits so the policies work together.
Highway 76, the Ozark Mountain Highroad, Highway 13 toward Kimberling City and the roads around the lake draw riders all season. We insure cruisers, touring bikes, sport bikes and custom motorcycles where available, with liability, collision and comprehensive, custom equipment and accessories, and riding gear where the company includes it. Most important for riders: uninsured and underinsured motorist coverage at the same limits as your liability. Why UM/UIM matters most on a bike · Custom parts and gear.
Get a motorcycle quote Motorcycle insurance →
And the everyday vehicles too: the commuter car, the truck that pulls the boat, the teen driver's first car. We compare Progressive, GEICO and other companies we work with for everyday drivers, multiple vehicles, clean records and records with a ticket, accident or lapse. You can buy by phone, set up automatic payments, and get proof of insurance emailed right away. Missouri auto insurance requirements · Auto insurance.
Then the bigger picture: auto + home, or auto + home + boat or RV, reviewed together.
Auto Insurance Express serves customers throughout southwest Missouri, including the Branson and Table Rock Lake area, from our Springfield offices and by phone. We don't have a Branson office, and you don't need one: quotes, payments and documents all happen by phone and email.
A lot of Table Rock boat owners don't live in Branson. You might live in Springfield and keep a pontoon at a marina, own a second home near Kimberling City with a boat on the lift, or trailer a bass boat down from somewhere else in Missouri every weekend. That's fine. When we quote, the insurer will consider where the boat is principally used and stored, along with the other information it asks for. We'll gather that and find the options that fit. If you live in the Springfield metro, see also insurance in Springfield; around Joplin, Joplin and the Four-State area.
Nearly three decades of insuring southwest Missouri households.
Progressive and other companies we work with, available according to each company's underwriting.
Boats, personal watercraft, motorcycles and RVs are a specialty, not an afterthought.
We'll review the household together and line up coverage across your vehicles, home and toys.
Phone, email and electronic documents. No office visit required.
Yes, subject to underwriting. When we quote, we'll ask where the boat is principally kept and used, such as a marina slip, a private or community dock, or on a trailer, along with the boat's details. That information goes to the insurance company along with everything else it uses to quote.
Yes, including tritoons, subject to underwriting and carrier availability. See Table Rock Lake boat insurance.
Yes, including the electronics and trolling motor when they are listed or fall within the policy's equipment coverage, and the trailer if you add trailer coverage. See boat insurance.
Yes. See jet ski and PWC insurance.
Trailer coverage may be available and depends on the policy and the company. Ask for it specifically and make sure the trailer is listed.
Missouri doesn't generally require boat insurance by law. Lenders usually require it on financed boats, and many marinas require proof of liability coverage before renting a slip. Separately, Missouri requires anyone born after January 1, 1984 to have boater education to operate a vessel on Missouri lakes.
Yes: motorhomes, travel trailers, fifth wheels and campers. See RV insurance.
Yes. A motorhome is driven, so it needs its own liability coverage plus physical damage. A travel trailer is towed; liability while towing generally comes from the tow vehicle's policy, but damage to the trailer and its contents needs its own coverage.
We may have options depending on how the home is used, how often it's occupied, and whether it's ever rented. Tell us about the property and we'll review what's available.
We may have options depending on how the property is occupied and rented. Contact us so we can review the property and rental arrangement. A standard homeowners policy generally isn't designed for short-term rental activity.
Often, yes. We'll review the household together and compare available options rather than assuming one company for everything is automatically the best arrangement. Savings aren't guaranteed.
No. We serve eligible customers in Missouri, Kansas and Oklahoma. Where the boat is kept, used and stored is considered when it's quoted, wherever you live.
Or send your details and an agent will call you back with options from the companies we work with.