Boat Insurance in Missouri
At MBG, whether you’re navigating the open waters or cruising along the coast, we have you covered. We can help customize your boat insurance to fit your specific needs. We do all the shopping for you with multiple insurance providers. Getting started takes just a few minutes.
Boat Insurance
MBG boat insurance helps protect you and your vessel with flexible options, including liability, physical, and on water towing. With various discounts available, you can customize a policy that fits your boating lifestyle. Navigate the waters with confidence, knowing you’re supported by an agency with extensive experience in protecting boaters.
What Does Missouri Boat Insurance Cover?
Standard Boat Insurance coverage usually includes:
- Bodily Injury Liability: Covers medical expenses and lost wages for others if you’re at fault in an accident. This may also include passengers, depending on state laws. It doesn’t cover your own injuries, so choose limits that match your needs.
- Property Damage Liability: Pays for damage you cause to someone else’s property, such as docks or other boats. This coverage is often required by state laws.
Optional coverages for enhanced protection:
- Collision Coverage: Covers damage to your boat resulting from a collision with another vessel or an object, regardless of fault. A deductible will apply.
- Comprehensive Coverage: Protects against non-collision incidents such as theft, vandalism, fire, flooding, or damage from falling objects. Deductibles apply here too.
- Towing and Assistance Coverage: Provides help if your boat breaks down or needs to be towed due to a covered incident.
- Coverage for Equipment and Accessories: Some policies may cover upgrades, fishing gear, or other accessories attached to the boat.
Tips:
- Verify your state’s minimum insurance requirements, as they may be lower than recommended coverage.
- Consider additional options like medical payments, uninsured/underinsured watercraft coverage, and personal property coverage for extra protection.
- Regularly review your coverage limits and deductibles to ensure they fit your budget and needs.
Missouri Boat Insurance FAQ
