Boat Insurance
Whether you’re spending weekends on a local reservoir or taking longer trips on the water, boat insurance helps protect your investment and everyone on board. At Insurance Unlimited, we offer affordable, customized boat insurance designed to keep you covered from launch to dock.
Protection for Life on the Water
Boat insurance is designed to protect you financially if something unexpected happens on the water. From accidents and property damage to theft and weather-related losses, the right policy helps cover repairs, liability, and other costly surprises.
Liability Coverage
Helps pay for bodily injury or property damage if you’re responsible for an accident involving another boat, dock, or swimmer.
Physical Damage Coverage
Covers repair or replacement costs if your boat is damaged due to collisions, accidents, or other covered events.
Comprehensive Coverage
Protects against non-collision losses such as theft, vandalism, fire, or storm damage.
Medical Payments
Helps cover medical expenses for you or your passengers if someone is injured while onboard.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Recreational Boat Owners
Ideal for individuals and families who enjoy fishing, watersports, or relaxing weekends on local lakes and reservoirs. Boat insurance helps protect both your vessel and your passengers during every outing.
Seasonal and Stored Boat Owners
Even when your boat isn’t in the water, risks like theft, fire, and weather damage still exist. Coverage helps protect your investment year-round, whether it’s docked, trailered, or in storage.
Coverage Built for How You Use Your Boat
From early-morning fishing trips to long summer days on the lake, your time on the water looks different than anyone else’s. Boat insurance should reflect that. Coverage can be tailored to match how you use your boat, where you take it, and the risks you’re most likely to face.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Do I need boat insurance if it’s not required by the state?
While boat insurance may not be legally required, it is strongly recommended. Accidents, injuries, and property damage can be expensive, and insurance helps protect you from significant out-of-pocket costs.
What types of boats can be insured?
Boat insurance typically covers fishing boats, pontoons, personal watercraft, sailboats, and many other recreational vessels. Coverage options may vary based on the type, size, and use of your boat.
Does boat insurance cover damage when the boat is not in use?
Yes, comprehensive coverage can help protect your boat from risks like theft, vandalism, fire, or storm damage even when it’s not on the water.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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