Boat Insurance in Minnesota

Stay afloat with our comprehensive boat insurance coverage! Wherever you are getting out on the water in your watercraft in Minnesota, including Lake Minnetonka, Lake Mille Lacs, or any of Minnesota’s other 10,000 lakes it’s wonderful to escape from the day-to-day. But, having fun on the water can also increase liability risks.

Let’s make sure your “financial boat” doesn’t sink should you encounter rough waters.

Does homeowners insurance cover your boat?

The fact is, homeowners insurance policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.

In other words, if you don’t carry a boat insurance policy, you may be underinsured.

Boat Insurance: what’s covered

Typical coverages should include:

• Personal liability
• Boat
• Motor
• Trailer
• Medical and physical damage perils
• Items on the boat include fishing tackle, depth finders, water skis, wakeboards, stereo equipment, safety equipment, and other loose objects

It’s also possible to receive additional support for vehicle breakdowns while towing a boat. You can also get support if your boat breaks down on the water and needs to be towed off the water. Qualifying claims may also cover boat rental as a temporarily replace vehicle.

We also provide boat insurance for the following types of boats and personal watercraft:

• Runabout
• Mini Jet Boat
• Sailboat
• Pontoon
• House Boat
• Cabin Cruiser
• Other Fishing Boat
• Bass Boat

Boat insurance discounts are spoken here

We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:

• Own your home
• Have idle-assisted steering installed
• Insure multiple vessels
• Bundle other kinds of insurance
• Are the original owner
• Pay your policy in full each year
• Have a clean automobile driving record
• Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Why we’re different

You may think you want the cheapest boat insurance you can find, but cheap isn’t everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.

Contact us today, and we’ll help you protect what matters most.