Boat/Watercraft Insurance

Whether you're cruising along the coast or navigating a serene lake, your boat deserves the best protection on the water. Our boat and watercraft insurance provides comprehensive coverage against accidental damage, theft, and unforeseen events. Whether you're a seasoned sailor or a weekend angler, we tailor your policy to ensure you're covered wherever you go. Enjoy your time on the water knowing you have reliable protection for your boat, personal property, and passengers. With affordable rates and extensive coverage options, we help you focus on the fun, not the risks.

• Hull Coverage: Covers physical damage to the boat itself, including repairs or replacement in the event of an accident, collision, or other damages (e.g., sinking, fire, or theft).
• Liability Coverage: Protects you if you're responsible for injuries or damage to another person or their property while operating your boat. This includes both bodily injury and property damage liability.
• Medical Payments Coverage: Covers medical expenses for you and your passengers if you're injured in a boating accident, regardless of who was at fault.
• Uninsured/Underinsured Boater Coverage: Protects you if you're involved in an accident with an uninsured or underinsured boater. It helps cover your medical expenses and damages that the other party cannot pay for.
• Comprehensive Coverage: Covers non-collision-related incidents such as theft, vandalism, fire, weather damage (hurricanes, hail, etc.), and damage caused by wildlife.
• Collision Coverage: Pays for repairs or replacement if your boat is damaged in a collision, whether with another boat, a stationary object, or other obstacles.
• Towing and Assistance Coverage: Provides coverage for towing and other assistance services if your boat breaks down on the water, ensuring you're not left stranded.
• Personal Property Coverage: Covers personal items onboard your boat, such as fishing equipment, electronics, and gear, in the event of theft, loss, or damage.
• Passenger Liability Coverage: Covers injuries or damages caused by passengers aboard your boat. This can include both injuries to passengers and injuries caused by them.
• Environmental Damage Coverage: Covers the costs of cleaning up fuel spills or other environmental damages caused by your boat, as required by law in some states.
• Trailer Coverage: Covers damages or theft to your boat trailer, ensuring you're covered if something happens while transporting your boat.
• Boat Rental Coverage: Covers rental expenses for a temporary replacement boat if yours is out of commission due to a covered loss.

Get An Estimate with Central Insurance Group Agency, LLC

• Waite Park, MN
• Rockville, MN
• St. Augusta, MN
• Pleasant Lake, MN
• Cold Spring, MN
• Sartell, MN
• Five Points, MN
• St. Joseph, MN