Boat Insurance

Specialized boat insurance is designed specifically for boating risks, accidents, and liability exposures. Standard homeowners insurance often provides limited or no coverage for boats and personal watercraft, especially once they exceed certain size or horsepower limits. A dedicated boat policy offers broader, clearer protection for your vessel and passengers.

Boat insurance can be tailored for many types of watercraft, including:

• Recreational boats
• Personal watercraft (PWCs / jet skis)
• Fishing boats
• Pontoon boats
• Wake and ski boats

MBG Insurance works with multiple top-rated carriers to match your specific boat and how you use it.

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A specialized boat insurance policy may cover your boat, motor, and trailer against losses caused by:

• Theft
• Vandalism
• Collision with another boat or object
• Damage caused by uninsured or underinsured boaters
• Weather-related losses, depending on policy terms

Coverage options vary based on vessel value, type, and usage.

Yes. Liability coverage is one of the most important parts of a boat insurance policy. It helps pay for medical expenses, legal fees, and damages if you’re found at fault in a boating accident.

Boat liability coverage may include:

• Bodily injury liability
• Property damage liability
• Medical payments
• Guest passenger liability

This protection is especially important when carrying friends, family, or guests.

Boat lifts may be covered, depending on how they are insured. Some policies can include boat lifts as part of the boat policy, while others may require them to be scheduled separately or covered under a property policy. Coverage depends on ownership, location, and value of the lift.

Yes, many boat insurance policies can extend coverage to fishing equipment and accessories, such as rods, reels, tackle, and mounted electronics. Coverage limits apply, and higher-value equipment may need additional coverage to ensure full protection.

Many policies offer coverage for leisure and recreational accessories, including towable tubes, water skis, wakeboards, and certain onboard personal property. Coverage amounts vary by policy, so it’s important to review limits for higher-value items.

Yes. Boat insurance can help cover anchors, oars, canopies, covers, life preservers, safety gear, and fuel tanks when they are attached to or used with the insured watercraft.

Most homeowners insurance policies provide very limited coverage for boats, if any at all. Coverage is typically restricted by boat length, horsepower, and value, and liability protection is often minimal or excluded. Many policies do not cover personal watercraft (jet skis) at all. Because of these limitations, boat owners in Missouri and Arkansas usually need a separate boat insurance policy to ensure proper protection for their watercraft, liability exposure, and onboard equipment.