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Home » Watercraft & Boat Insurance

Watercraft & Boat Insurance



Boat & Watercraft Insurance in Missouri

Boat and Watercraft Insurance for Kansas City area, St. Louis MO, Springfield MO and the Lake of the Ozarks.



At Bargain Insurance Connection, we’re all about ensuring your peace of mind while you’re out on Missouri’s beautiful waterways. We offer comprehensive boat and watercraft insurance coverage in Missouri, dedicated to protecting not only your boat, but also your equipment and personal effects.

Regardless of whether you’re sailing on Lake of the Ozarks, cruising down the Mississippi River by St. Louis, or launching from a dock in Kansas City or Springfield, our coverage extends across the entire state.

Our goal is to provide you with security so you can fully enjoy your boating adventures. You’ll be covered for the unexpected, including boat trailers.

Boat on a lake


What Exactly is Boat Insurance and Do You Need it in Missouri?

Boat insurance safeguards against financial loss from unexpected events with your boat or watercraft. In Missouri, it’s a practical necessity, even if not legally required. It protects your boat on water and during transport.

For instance, if your boat is damaged due to an accident, storm, or vandalism, boat insurance can help cover the repair or replacement costs. Coverage also extends to the motor and trailer used to transport your watercraft.

Hence, whether you’re enjoying a sunny day at Lake of the Ozarks, or transporting your boat through the bustling cities of Kansas City or St. Louis, you can rest assured knowing your boat insurance has got you covered.

In Missouri, boat insurance isn’t required by law, but most marinas require proof for facility use. It protects against accidents and damages.

While not required by the state, boat insurance in Missouri provides peace of mind while enjoying its beautiful waters.


Common Boat Policy Terminology You Should Know:


Comprehensive Coverage:

This term refers to the coverage that protects your boat from damage not caused by a collision, such as fire, theft, or vandalism. In Missouri, this can be particularly important due to diverse weather conditions and high boat usage.

Collision Coverage:

This is the insurance coverage that helps pay for repairs or replacement of your boat if it’s damaged in a collision with another boat or object.

Liability Coverage:

This is a crucial part of any boat insurance policy. If you’re found to be at fault in an accident, liability coverage helps cover the costs of injury to others or damage to their property.

Medical Payments Coverage:

This coverage helps pay for medical costs if you or your passengers are injured in a boating accident.

Uninsured/Underinsured Watercraft Coverage:

This type of coverage provides protection if you’re involved in a boating accident with another boater who is uninsured or doesn’t have enough insurance to cover the damages.

Towing and Assistance Coverage:

If your boat breaks down, this coverage helps cover the cost of emergency services like on-water towing and fuel delivery.

Equipment Coverage:

This coverage is for the specialized gear and equipment you may have on your boat, like fishing gear or navigation equipment.

Trailer Coverage:

This covers the trailer used to transport your boat. Having a boat trailer covered can bring peace of mind when traveling with your boat.

Actual Cash Value:

This is a type of coverage that pays out the current market value of your boat at the time of a loss, taking depreciation into account.

Agreed Value:

This type of coverage protects your investment by ensuring that in the event of a total loss, you’ll be compensated for the value you and your insurer agreed upon when the policy was purchased, without factoring in depreciation.


How is My Watercraft Insurance Calculated?

When evaluating boat insurance costs in Missouri, several factors come into play. Firstly, the type and size of your watercraft can significantly impact your premium. Larger, more powerful boats usually require more extensive coverage, leading to higher insurance costs.

Secondly, where you primarily use your boat matters. Boating in Kansas City’s popular rivers may attract higher rates due to the increased risk of accidents.

Thirdly, the age and condition of your boat are also crucial determinants. Older boats with a history of repairs might be more expensive to insure.

Lastly, the inclusion of boat trailers in your coverage can also affect the cost. While adding trailers may increase your premium slightly, it provides valuable protection for your investment.

How Do I get Boat Insurance in Missouri?

At Bargain Insurance Connection, we cater to your unique needs, offering affordable boat insurance for various watercraft in Missouri. Whether you own a fishing boat, a jet ski, or a yacht, our tailored policies can provide comprehensive cover.

We understand that every owner and boat is different, which is why we offer customizable insurance options to ensure the utmost protection.

Not only does our insurance cover your watercraft, but we can also cover boat trailers, providing a one-stop solution for all your insurance needs. From Kansas City to the farthest corners of the state, we’ve got you covered.

Get a free watercraft quote by calling us at 816.453.7722 or request an online quote below:

Get Boat Insurance Quote in Missouri

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