Home base at 261 East Broadway, Monticello
30+ years of combined team experience
Coverage compared across multiple carriers
Ham Lake meetings available by appointment
What We Can Cover for You
Minnesota's lakes and rivers give you no shortage of ways to spend time on the water. We work with multiple carriers to quote boat insurance that fits the way you actually use your watercraft — whether that's a leisurely day on the lake or an early-morning fishing run on the Mississippi.
Watercraft we commonly insure:
- Pontoons and deck boats
- Fishing boats and walleye rigs
- Ski boats and wakeboard boats
- Personal watercraft, including jet skis
- Canoes, kayaks, and small watercraft
Coverage components we review with every quote:
- Liability coverage for injuries to guests or damage to other vessels
- Physical damage coverage for the hull and motor
- Trailer coverage for transport to and from the water
- Towing and roadside assistance on the water
- Personal effects and fishing equipment coverage
If you own a classic or antique boat, we handle those separately — visit our classic vehicles page for details on agreed-value coverage options.
Most boat owners discover the gap between their homeowners policy and actual boat coverage only after something goes wrong. A standard homeowners policy may extend minimal protection to a small boat, but pontoons, ski boats, fishing boats, and personal watercraft typically fall outside those limits — or carry coverage so limited it won't come close to replacing what you've lost. We review your existing homeowners boat limits alongside standalone boat policy options so you know exactly where you stand before you launch for the season.
Your Homeowners Policy Probably Doesn't Cover What You Think
Liability on the Water Is a Real Exposure
When guests are on board, you're responsible for their safety. If someone is injured on your boat, or if your watercraft causes damage to another vessel or a dock, liability coverage is what stands between you and a significant out-of-pocket loss. We quote boat policies that include liability options from multiple carriers, so you can choose limits that reflect how you use the water and how many people you typically have on board. Coverage that accounts for your passengers and your surroundings isn't a luxury — it's what makes a lake day actually relaxing.
Common Questions About Boat Insurance in Minnesota
Is boat insurance required in Minnesota?
Minnesota does not require boat insurance by law, but marinas, storage facilities, and lenders often require proof of coverage as a condition of access or financing. More importantly, an uninsured boat leaves you personally exposed to liability and repair costs that can be substantial.Minnesota does not require boat insurance by law, but marinas, storage facilities, and lenders often require proof of coverage as a condition of access or financing. More importantly, an uninsured boat leaves you personally exposed to liability and repair costs that can be substantial.Does my homeowners insurance cover my boat?
Some homeowners policies include limited coverage for small boats, but the limits are typically low and may not cover liability, trailers, or larger watercraft at all. We compare your existing homeowners boat limits against standalone options so you understand the full picture before making a decision.Some homeowners policies include limited coverage for small boats, but the limits are typically low and may not cover liability, trailers, or larger watercraft at all. We compare your existing homeowners boat limits against standalone options so you understand the full picture before making a decision.What does boat liability insurance cover?
Boat liability coverage pays for bodily injury or property damage you cause to others while operating your watercraft. This includes injuries to guests on your boat, damage to other boats or docks, and related legal costs if a claim results in a lawsuit.Boat liability coverage pays for bodily injury or property damage you cause to others while operating your watercraft. This includes injuries to guests on your boat, damage to other boats or docks, and related legal costs if a claim results in a lawsuit.Can I insure my boat trailer under the same policy?
Many boat policies include trailer coverage, and we make sure that's part of every quote review. Your trailer represents a real investment and a real exposure from the moment it leaves your driveway — coverage shouldn't stop at the water's edge.Many boat policies include trailer coverage, and we make sure that's part of every quote review. Your trailer represents a real investment and a real exposure from the moment it leaves your driveway — coverage shouldn't stop at the water's edge.Do you cover personal watercraft like jet skis?
Yes. Personal watercraft are typically excluded from standard homeowners policies and require their own coverage. We quote standalone personal watercraft insurance that includes liability, physical damage, and other options depending on the carrier.Yes. Personal watercraft are typically excluded from standard homeowners policies and require their own coverage. We quote standalone personal watercraft insurance that includes liability, physical damage, and other options depending on the carrier.
Get a Quote for the Whole Setup
From the hull to the trailer to the gear you bring on board, we make sure nothing gets left out of the conversation. We work with multiple carriers to find boat insurance that fits your watercraft, your budget, and how you spend time on the water. Reach out to our Monticello office or request a quote online to get started.
Prefer to talk now? Call us at
(763) 432-2645.
