Boat Insurance
Boat Insurance: Enjoy the Water With Confidence
Whether you're fishing on a quiet lake or cruising open water, the right boat insurance keeps you protected every time you cast off.
Understanding Boat Insurance
Your homeowners policy may offer limited coverage for a small boat, but it's rarely enough to protect a significant watercraft investment. A dedicated boat insurance policy covers your vessel, your passengers, and your liability on the water.
At Wingerd Agency, we help boat owners find the right coverage for everything from fishing boats and pontoons to ski boats and personal watercraft.
Coverage Types Explained
Physical Damage
Covers repair or replacement costs if your boat is damaged in a collision, fire, theft, or storm — whether it's on the water or stored on land.
Liability Coverage
Pays for bodily injury and property damage you cause to others while operating your boat — including legal defense costs if you're sued.
Medical Payments
Covers medical expenses for you and your passengers if injured in a boating accident, regardless of who is at fault.
Uninsured Watercraft
Protects you if you're involved in an accident with another boater who doesn't carry adequate insurance coverage.
Why Choose Wingerd Agency for Boat Insurance?
- Coverage for boats of all types — fishing, pontoon, ski, and personal watercraft
- Year-round or seasonal coverage options to fit how you use your boat
- On-water towing and assistance coverage available
- Dedicated agent who can answer questions and help you through a claim
Get on the Water — We've Got You Covered
Don't let an accident ruin your time on the water. Get a boat insurance quote today and enjoy every trip with peace of mind.
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