Boat insurance for life on the lake

You just bought the boat. Let's insure it properly.

Whether it's a new pontoon for Table Rock or a bass boat you've had for years, the right policy protects the boat, the people on it, and everyone you might bump into on a crowded Saturday. We insure boats used across the region:

What a boat policy can cover

• Physical damage to the hull, motor and permanently attached equipment from collision, sinking, fire, theft and storms
• Liability for injuries to passengers, skiers and tubers you tow, and damage to other boats and docks. Why liability is the coverage people underestimate.
• Uninsured boater coverage
• Medical payments for people on board
• Trailer coverage
• On-water towing and fuel delivery
• Personal effects and fishing gear
• Fuel spill cleanup and wreck removal

Agreed value or actual cash value?

Agreed value pays a set amount on a total loss. Actual cash value pays depreciated value and costs less. The choice matters most on newer and financed boats. How your boat is paid.

Do you need boat insurance?

Missouri doesn't generally require it by law, but lenders do on financed boats, and many marinas require liability coverage before you rent a slip. Your homeowners policy usually provides little or nothing for boats beyond very small, low-powered craft.

Jet skis and personal watercraft

PWCs are often lent to friends and teens, which makes liability especially important. Jet ski insurance.

Off-season

Many policies expect proper winterization, and some exclude freeze damage without it. Storage risks like theft, fire and snow load continue all winter. Winterizing and your policy.

Around Table Rock and Branson?

Looking for boat insurance around Table Rock Lake? See Table Rock Lake boat insurance and insurance for Branson and Table Rock Lake.

What to have ready

• Year, make, model and length
• Motor make, horsepower and year
• Hull identification number (HIN)
• Purchase price, and the lake where you keep it
• Your boating experience