Boating Insurance - Prokop Insurance Services

Stay Afloat with Our Comprehensive Boating Insurance Coverage! Whether you are getting out on the water in your watercraft on 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 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

We also provide 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 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.