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Watercraft & Boat Insurance

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Watercraft & Boat Insurance Information

Boat Insurance - Missouri & Kansas


Why do you need insurance for your boat?

While some states do not require insurance on boats or other watercrafts, it is imperative for you to protect your assets. Boat these days can be an expensive endeavor, with boats easily costing $30,000 or more if you are adding a trailer and additional personal effects. With that kind of investment it is important to keep it protected. If you keep your boat at a dock while not in use, your boat is exposed to outside elements from wind, to hail or lightning. Your comprehensive coverage means your boat or other watercraft are insured against these perils.

What kind of coverage should I get for my boat?

Most basic policy provides liability coverage if you were to collide with another vessel or the dock. It pays property damage and bodily injury to the other boat and passengers if you caused the collision. You can also add medical coverage for yourself or your passengers but limits vary from state to state.

The comprehensive and collision policy insures your boat regardless of whose fault the accident was. This type of policy insures your boat, the engine and optional trailer against any collision with another vessel or dock, wind, hail, lightning, fire, vandalism and theft. Optional coverage include carried contents, like your fishing gear for example, coverage for your engine against any breakdowns and on water towing.

If you are buying a new watercraft, optional coverage is to insure your watercraft with total loss replacement instead of actual cash value (ACV). That coverage pays you new value in case of a total loss, not the depreciated or ACV value for your boat.

Things to consider when buying boat insurance:

- How much liability and property damage to get. How much would it cost to replace the watercraft and any additional equipment.

- If you are storing your boat at the dock while not in use, consider adding comprehensive coverage.

- Make sure to include the value of the trailer in calculations.

- If you are storing your boat in the garage during off- season, you home insurance policy may provide limited coverage.


Make sure to tell your insurance agent the purpose of use for the boat, some usage is excluded from coverage, like commercial use or racing. Some insurance companies also have limits which boat they will accept, especially when it comes to speed limits. Generally boats that cannot exceed 75mph are accepted.

Your insurance agent can best explain the intricacies of boat policies, if you have any questions or concerns about your coverage feel free to contact us at 816.453.7722.

Call us today at 816.453.7722 and we can discuss about the type of coverage that would best suit your needs or fill out our online form and we will contact you shortly.

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