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Boat/Watercraft Insurance

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Top-Tier Boat Insurance

Get Competitively Rated Boat Insurance

Owning a boat is a dream come true. Safeguarding it is crucial. Neither state nor federal laws mandate watercraft insurance, unlike auto insurance in most states, but it is the responsible choice. Some marinas and public docking arenas require you to be insured.

Even if your boat isn’t required by state nor federal law to have insurance, it’s a highly recommended decision. For a reasonable cost, it provides significant protection-protection that can keep you sea-ready for years to come.

At AHI, we specialize in helping you find exceptional coverage for your watercraft. As a leading insurance provider licensed in various states, including Kansas, Nebraska and Texas, we are committed to assisting you in making well-informed decisions about your insurance needs. We're ready to address any inquiries, assist with coverage reviews, and recommend cost-effective strategies. Give us a call.

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What Does Watercraft Insurance Cover?

Boat insurance is not mandatory so there is not a typical “standard” for what is covered. Some marinas and docks will require you to carry basic liability insurance, but beyond that it’s typically up to you. Boat insurance, or “watercraft insurance,” is a worthwhile investment for anyone looking to safeguard their finances and preserve their peace of mind.

Are you shopping for boat insurance? If so, you should familiarize yourself with the different boat insurance policies/coverage options available:

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Physical Damage

Physical damage coverage, comprised of comprehensive coverage and collision coverage, is insurance for the physical structure of your watercraft. Comprehensive coverage insures your boat if it’s damaged by a non-collision event. This includes fire, hail, theft, vandalism, and more. Collision coverage compensates you if your boat is damaged after a collision with another watercraft.

Liability Coverage

If you are held liable for the property damage or bodily injury to third parties, boat insurance covers the third-party expenses, lessening your financial burden.

Uninsured Boater Coverage

Since watercraft insurance isn’t compulsory, the risk of encountering an uninsured boater is high. And since these boaters don’t have insurance to cover your damages when they are at fault, you need uninsured boater coverage to cover such expenses.

Medical Payments Coverage

While boat accidents are rare, they happen, and you and your passengers can sustain injuries. Boat insurance can cover your medical expenses when involved in a boating accident.

What Does Watercraft Insurance Cost?

Boat insurance costs vary depending on the type of coat, the boat’s value, and more. The average cost of boat insurance in 2023 ranges between $200 to $500 per year, but more expensive, larger boats may cost a lot more than that to insure. Costs vary based on:

If you want more than a “ballpark” assessment of your watercraft insurance costs, call AHI Group for a free quote today.

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Saving on Boat Insurance

Navigating the waters? Boat insurance is a must for all boat owners. The cost varies, but at AHI Group, we offer strategies to ease the financial burden without compromising coverage.

Work with an agent

While securing boat insurance independently is an option, working with an agent opens up opportunities. Our agents can guide you to the best coverage options from top insurers, ensuring you secure the most competitive rates. They are equipped with insights and strategies to help you maximize savings without sacrificing protection. Trust an AHI Group agent to steer you toward the best choices for your boat insurance needs.

Maximize your savings

Explore potential discounts with AHI. Depending on your insurer and location, you may qualify for various discounts. These could include incentives for winter tire installation in icy regions, group or bundle discounts for loyal customers, club and member discounts, retiree discounts, student discounts, and more. Connect with an agent to discover the available discount options tailored to your needs.

Operate safely

Having more claims can lead to higher rates. The less accidents you’re involved in, and the less incidents you end up being responsible for, the better off you’ll be. Operate safely, be conscious of state regulations around boating, and play it safe. Also, wear your life jacket!

Quick: Watercraft Insurance FAQs

Are there discounts available for boat insurance?

Yes, many insurance providers offer discounts. Common discounts may include those for completing boater safety courses, having a clean claims history, bundling boat insurance with other policies, and implementing safety features on your watercraft.

Is boat insurance required by law?

Unlike auto insurance, boat insurance is generally not legally mandated at the federal or state level. However, certain marinas, lenders, or yacht clubs may require insurance coverage for docking or participation in events.

How is the value of my boat determined for insurance purposes?

The value of your boat for insurance purposes is often determined by factors such as the boat's age, make, model, and overall condition. Some policies offer agreed value, where you and the insurer agree on a set value for the boat, while others provide actual cash value, factoring in depreciation. It's essential to discuss valuation methods with your insurance provider.

Connect with an AHI Boat Insurance Agent

Are you a boat owner seeking insurance coverage in Kansas, Nebraska, or any of our covered states? Are you in the market for watercraft insurance to safeguard both yourself and others on the water? Look no further than AHI Group, a leading provider specializing in watercraft insurance and a range of other coverage options.

Whether you're insuring your first boat or you're an experienced captain with a substantial boating history, AHI Group is here to support you. Feel free to reach out to us for more information on the diverse insurance solutions we offer. Don't hesitate to contact us; we're dedicated to assisting you with your watercraft insurance needs.

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Proudly serving Olathe, KS, Overland Park, KS, Kansas City, KS & MO, Lee’s Summit, MO, and surrounding areas.

Disclaimer: Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.