At Mid Rivers Insurance, we know boating. If you own a watercraft in the Show Me State, there is no shortage of lakes to enjoy relaxing on the water. Before you haul your boat to the lake, make sure you have insurance that covers your risks. Our local agents understand the hazards that boaters face both on and off the water, and we know how expensive one accident can be. Let us help you find affordable rates on coverage that protects you, your boat, your passengers, and all of your gear so that you can enjoy smooth sailing year-round.
We offer boat insurance for nearly any type of personal vessel, including:
- Fishing boats
- Bass boats
- Deck boats
- Cabin cruisers
- Ski boats
- High performance boats
- Pontoon boats
- Personal watercraft
- And more
Boat Insurance Coverage
Talk with your Mid Rivers Insurance agent about the many options you may have for boat insurance. We can help you determine how much protection you need, as well as which types of coverage may be right for you. Examples include:
If you are liable for an accident, you could face major financial responsibilities. Liability insurance helps cover costs stemming from a third-party’s bodily injuries and property damage if you are at-fault for an accident. This includes medical payments, lost wages, boat repairs, and wreckage removal. It can also cover any legal defense fees you may incur if you are sued after an accident.
You have invested a lot into your boat. If it is damaged or stolen, the loss could be significant. Physical damages insurance protects your watercraft and its attached equipment if it is stolen or damaged due to a covered event.
Regardless of who is at-fault for an accident, medical payments help pay the ensuing medical bills for both you and your passengers.
If another boater injures you, their liability insurance should cover your medical expenses. If they are uninsured or underinsured, you could be left with part or all of the bill. Uninsured and underinsured boater protection helps fill in the gaps when you are faced with medical expenses for injuries that were not your fault.
Emergency On-the-Water Assistance
When you break down on the water or run out of gas, this type of coverage can reimburse you for emergency towing and fuel delivery services.
If your boat sinks, this type of coverage can help reimburse you for expenses related to wreckage removal and environmental clean-up from fuel and oil spills.
Special Equipment and Gear
Boat insurance can include special coverage for your equipment, gear, and personal effects. This can be helpful if you carry fishing poles, skis, coolers, and other detached equipment out on the water.
Save Money on Missouri Boat Insurance Quotes
Saving money on boat insurance is easy when you use an independent agency like Mid Rivers Insurance. We shop and compare rates on your behalf to find the most affordable rates on coverage that protects you and your boat, bow to stern. Our goal is to provide you with complete protection that does not cost an arm and a leg. We can also show you ways you may qualify for money-saving discounts, such as by taking a boater safety course or combining your boat insurance with other lines of coverage from the same insurer.