MISSOURI BOAT INSURANCE

• Navigational Area —Know your water coverage. Some insurance covers up to 75 miles from the U.S. coastline, including Canada and Mexico. Additional coverage is available in Missouri, Florida, and Oregon. Review your policy to know your coverage when boating.
• Agreed Value Coverage —Boats lose value like cars. Actual cash value policies may not fully cover a stolen or destroyed boat. You’ll get the insured value minus the deductible if it’s a total loss.
• Liability —Personal liability coverage in boat insurance works like car insurance. If you cause an accident, it covers repair or replacement costs of other boats and property, as well as medical expenses, lost wages, and other related costs.
• Medical Payments —Boat accident? Medical bills covered. Medical payments coverage protects you, your passengers, and even water skiers/tubers from the cost of needed care resulting from a boating accident, up to $10,000.
• Physical Damage Coverage — Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
• Uninsured/Underinsured Watercraft Bodily Injury —Uninsured/Underinsured Watercraft Bodily Injury Coverage pays for medical expenses, lost wages, and other related costs if you are injured by an uninsured or underinsured boater who is at-fault and does not have adequate insurance coverage.
• Fuel Spill Liability and Wreckage Removal — Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
• Personal Effects —Protect your personal belongings while on your boat. Your insurance policy can provide coverage for items such as clothing, cell phones, and sporting equipment. Check with your insurance provider for state-specific limits. Note that jewelry, watches, and furs are typically not covered.
• Unattached Equipment Coverage —Accessory coverage pays for repair or replacement of equipment not permanently attached to your boat or personal watercraft but designed for use primarily on a boat, such as water skis, oars, tarps, and life-saving equipment.
• Emergency Assistance —Emergency Assistance Package covers towing, gas/oil delivery and labor costs for disabled watercraft while on the water.

We’re here to help you protect your beloved boat. Whether you prefer to enter your details online or speak with us directly, we’ll guide you through the process of getting the right coverage for your watercraft.