Sail with confidence: Premier boat insurance for Missouri mariners. Quote now.

honeymoon couple on boat

missouri boat insurance specialists

Investing in a boat or personal watercraft can be a significant financial commitment. However, for water enthusiasts, the joy and adventure of being out on the water make it a worthwhile expense.

To safeguard this valuable investment, it is imperative to procure coverage that caters to the unique needs of boat lovers, rather than relying on standard coverage or add-ons to your Homeowners Insurance.

At E3 Insurance, we understand the passion and dedication that comes with owning a watercraft. That’s why we offer comprehensive boat insurance protection designed to provide peace of mind for you, your passengers, and your equipment. Our professional team will work closely with you to understand your specific needs and find the coverage that best fits your requirements.

Choosing the right boat insurance policy can be a challenging task. However, with E3 Insurance by your side, you can rest assured that you will receive customized coverage that meets your unique needs. So why wait? Contact us today to get started and enjoy your time on the water worry-free.

man on boat

missouri boat insurance specialists

Investing in a boat or personal watercraft is a big decision, but it’s worth it for the joy of being out on the water.

However, accidents can happen, and that’s why you need specialized coverage that protects you, your passengers, and your equipment. At E3 Insurance, we understand your passion for boating, and we’ll find the perfect policy for your needs.

Don’t let worries ruin your time on the water – contact us today to protect your investment and enjoy worry-free boating!

man on boat

common missouri boat insurance coverages

  • 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.



1276 Jungermann Rd. STE B St. Peters, Missouri 63376





Hours of Operation

9AM - 4PM CST.