Boat & Watercraft Insurance: Are You Covered for What Matters?

Missouri’s waterways are popular destinations, and accidents can happen even to the most careful boaters. In these cases, having a dedicated boat insurance policy is important to help cover your boat and the losses you cause to others.

What Are My Coverage Options?

Our team helps clients in Kansas City, MO understand and select coverage options that fit their needs, including:

• Comprehensive coverage: This can cover damage caused by fire, theft, vandalism and natural disasters.
• Collision coverage: This can help pay for repairs if your boat or watercraft is damaged after colliding with an object, a dock or another vessel.

• Liability coverage: This can cover bodily injuries or property damage you may cause to others while operating your boat.
• Medical payments coverage: This can help pay for medical expenses if you or your passengers are injured in a boating accident.
• Uninsured/underinsured boater coverage: This can cover your losses if you’re involved in an accident caused by someone who lacks adequate insurance.
• Personal effects and equipment coverage: This covers fishing gear, electronics and other personal items on board.

How Bargain Insurance Connection Supports Kansas City Boat Owners

Navigating marine insurance can be complex, but our team is here to make it simple. We take the time to understand your boating lifestyle, explain your options, and tailor a policy that can help you address the risks you face. We can also help you stay up to date on Missouri’s insurance requirements and local boating trends to ensure you’re covered for 2026 and beyond.

Contact us today to discuss your boat and watercraft insurance needs with our knowledgeable team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.