Boat & Watercraft Insurance for Lakes and Rivers in Southern Illinois
Owning a boat brings freedom and fun—but it also comes with risks. Boat and watercraft insurance protects your investment from accidents, damage, theft, and liability on and off the water. Whether you’re fishing local lakes, enjoying the Ohio River, or towing your jet ski across state lines, we help Southern Illinois boaters get the right coverage for their watercraft.
Why Boat Insurance Matters
Boat insurance typically includes liability protection, physical damage coverage for your hull and motor, coverage for trailers, personal effects, and even emergency services. If you’re involved in an accident, face storm damage, or someone gets injured while on your boat, a good policy ensures you’re covered. We'll explain all the options—from agreed value vs. actual cash value to fuel spill liability—so your fun on the water doesn't turn into a financial headache.
Coverage for Your Vessel
From pontoons and bass boats to jet skis and sailboats, we match your coverage to how you use your watercraft — whether it's weekend recreation or everyday adventure.
What Boat Insurance Can Include
Hull & Motor Coverage
Helps repair or replace your boat, motor, or trailer if they’re damaged in a covered event.
Liability Protection
Covers injuries or property damage if you’re found at fault for an accident on the water.
Personal Effects & Towing
Protects gear like rods, GPS systems, and provides towing or fuel delivery if you’re stranded.
Boat Insurance FAQs
Is boat insurance required in Illinois?
It’s not required by state law, but marinas, lenders, or storage facilities often require it — and it’s smart protection.
Does homeowners insurance cover my boat?
Some policies offer limited protection, but it usually isn’t enough. A separate policy is recommended for real coverage.
Can I add coverage for my trailer?
Yes, we can add trailer coverage.
Can I insure boating accessories?
Yes, let us know what you carry.