Boat insurance

Boat insurance for lake people

Your homeowners policy covers very little on the water. A boat policy covers the boat, the motor, the trailer and the liability when something goes wrong at the dock or on the lake.

Liability for injuries and damage on the water
Agreed value or actual cash value, explained
Coverage for the trailer and gear

Start your boat quote

About a minute. No credit check to get started.

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I understand Michael Gordy Financial Services, Inc., DBA INS Insurance Agency, will contact me about my quote by call, text or email, through its own agents, which may include AI agents. I can stop texts anytime by replying STOP, or ask to have my number removed from the call list. Message and data rates may apply. Consent is not a condition of purchase.

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You're in. Want to make the call faster?

Connect your current policy and we'll see what you have today: drivers, vehicles, home details, coverages and limits. It takes about a minute.

Then our call is short. We'll show you what your current policy pays for and what it doesn't, ask what you want covered, and build your quote around that.

Nobody should find out at claim time that their policy doesn't pay for something they thought it did. Seeing your current policy helps us make sure that doesn't happen to you.

You log in through Canopy Connect, not through us. We never see your password, and the transfer is encrypted end to end.

Connect my current policy

No current policy, or rather not? That's fine. We'll call you at the number you gave us.

Coverage

What a boat policy covers

Policies vary by carrier. These are the parts we look at first.

Liability

Injuries to passengers, swimmers or other boaters, and damage to docks and other boats.

Physical damage

The hull, motor and equipment, whether it's damaged on the water, on the trailer or in storage.

Uninsured boater

Your injuries when the other boat has no coverage. Boaters aren't always required to carry insurance, so the other boat may have none.

Medical payments

Medical bills for you and your passengers regardless of fault.

Towing and assistance

Getting towed back in when the motor quits.

Trailer and personal effects

The trailer, plus gear like fishing equipment and electronics.

What we teach every client

What to know before you put in

Homeowners coverage is thin

On the standard homeowners form, a boat with its motor and trailer is covered for about $1,500 total, and liability is excluded for most boats with larger motors. Check your own policy before you count on it.

Agreed value or actual cash value

Agreed value pays the amount you and the carrier set when the policy starts. Actual cash value pays what the boat is worth after depreciation on the day of the loss.

Lake liability is real

Docks, swimmers, tubers and crowded coves on summer weekends. A liability claim on the lake can be as serious as one on the highway.

Policy review

When we quote your boat, we check

If your coverage is solid, we'll tell you so and you keep it.

Free tool

Liability calculator

See how much liability coverage fits your household, on land and on the water.

Open the calculator →

Boat, motor and trailer values
Agreed value or actual cash value settlement
Liability limit, and whether your umbrella extends to the boat
Who drives the boat
Storage location and lay-up period

Questions

Common questions

Does my homeowners policy cover my boat?

Very little. The standard homeowners form covers a small amount of damage to small boats and excludes liability for most powered boats. A boat policy fills that gap.

Does my umbrella cover my boat?

Sometimes. Many umbrellas require the boat to carry its own liability coverage underneath first. We check both together.

Do I need coverage for a jet ski or pontoon?

Yes. Personal watercraft and pontoons are written on boat policies, and both carry real liability risk.

Send us your current policy

We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.

Start a quote Call 678-578-7009