Kentucky Boat Insurance

Find the right boat insurance policy for you.

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to TrustedChoice.com.

Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

During warm months, boating activities pick up in the state. Even during the winter, you can find a fishing boat sitting on a lake. At any given time, there are multiple types of boats on the water. Some people charter a bass boat during the fishing season while others like to take a powerboat for a spin on summer weekends. Boats can be a great source of enjoyment but accidents can happen even when you’re having a blissful moment.

Although Kentucky doesn’t require boaters have Kentucky boat insurance, it’s a wise investment. Even unpowered boats are expensive and a powerboat or yacht can cost several thousand dollars alone. Once you begin to add accessories and upgrade the interior, a boat can be a huge cost.

Kentucky is one of 45 states that require certain boaters to pass a state-approved safety course before operating a water vessel.

According to state law, you don’t. However, during previous years, there were over 3,300 injuries from boating accidents nationwide. Property damage cost $36 million dollars. If you don’t have boat insurance, medical expenses and repair costs will come out of your own pocket. If you have an unpowered vessel like a canoe or kayak, it may not be possible to find boat insurance; but otherwise, it’s a good idea to have coverage.

Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

Finding the right combination of policies to develop comprehensive protection can be hard to understand. A basic policy may work for a boater who only uses the boat a few times per year. On the other hand, a boater living on the lake and using it for a daily commute will need a much more comprehensive plan. A basic plan should consist of:

Additional coverage options you may want to consider include:

Boats are a wonderful way to have a great time but with thousands of boaters hitting Kentucky waters every year, it’s important to protect yourself. Contact an independent insurance agent to compare Kentucky boat insurance quotes and get a policy you can afford.

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