Boat Insurance

from Bill White Insurance Agency

Boat & Watercraft Insurance

Bill White Insurance can help make your time on the water relaxed and worry-free. We know Missouri boat insurance and we’ll find you comprehensive protection that protects you, your friends and family, your boat and your boating equipment. Did you know the average boat costs less than a dollar a day to insure? You’ll enjoy being on the water even more when you’re not worried about your safety, your passengers, or your investment.

Do you know what to look for in a Missouri boat insurance policy? Bill White Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

Is your boat eligible for coverage?

Got a bass boat that goes 70 mph or a tricked out ski boat?  Maybe you're the lazy cabin cruiser type looking for a private cove.  We'll find the right coverage for you.  For the most part we write boats up to 40 feet in length and values up to $300,000 plus wave runners and other personal watercraft.  Got something even bigger?  Give us a call.

Here are some things you’ll want to consider when shopping for Missouri boat insurance


    • Agreed Value Coverage

      Boats depreciate just like cars. Actual Cash Value (ACV) policies make it difficult to replace a boat that has been stolen or destroyed. Agreed Value policies are better. Agreed Value means that if your boat is a total loss, you'll get the value you insured it for, minus any deductible. Don't forget to add the value of perminantly attached equipment.  Does your ski boat have an aftermarket Tower, Wakeboard Rack or Speakers?  What kind of electronics have you added to your bass boat?  Don't wait until your boat is at the bottom of the lake to find out you didn't get an Agreed Value contract.

    • Liability

      Like car insurance, watercraft liability provides coverage to other boaters in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as their medical bills, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

    • Medical Payments

      Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

    • Physical Damage Coverage

      Physical damage coverage pays the cost to repair or replace your boat, motor, trailer and any permanently attached equipment, on either an Actual Cash Value or Agreed Value basis. Minus your deductible.

    • Uninsured/Underinsured Watercraft Bodily Injury

      It's unfortunate, but many boat owners choose not to get insurance, or just purchase the bare minimum to be legal. If you are injured by an uninsured, or underinsured boater, this type of coverage pays for your medical treatment, lost wages, and other costs associated with the accident.

    • Fuel Spill Liability and Wreckage Removal

      Should your boat sink or be seriously damaged, there's a good chance it could leak oil or fuel into the water. As the boat’s owner, you're required by law to have this cleaned up, which can be time consuming and expensive.  A good policy will pay this expense up to the policy's liability limit.

    • Personal Effects

      Your policy should provide some coverage for personal effects, including clothing, cell phones, scuba/snorkeling and fishing equipment. Limits vary by state, so check with us for what's required in Missouri. Personal effects coverage does not include things like money, jewelry or watches.

    • Unattached Equipment Coverage

      Have you checked the price of a carbon fiber slalom ski lately?  Light as a feather, but expensive as heck!  What about Tubes, Wakeboards, ropes, vests and all the other stuff on board? Unattached equipment coverage pays to repair or replace equipment that isn’t permanently attached, but is designed for use primarily on a boat. It includes items like lifesaving equipment, anchors, oars, fire extinguishers, tarps, and all that necessary boat stuff.

    • Emergency Assistance

      The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

    Every need is unique – contact us today to find out how to get the best boat insurance coverage for you.