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Boat Owners Insurance

Our boat owner policy can provide protection for your boat, motor and trailer.

Why do you need a boat owners policy?

It’s the law. Arkansas law requires that all personal watercraft and motorboats powered by engines of more than 50 horsepower must be covered by a liability insurance policy. A minimum of at least $50,000 of liability per occurrence is required. Proof of insurance must be carried on board the vessel. Our boat owners policy will provide the coverage you need to meet these requirements.

In addition to being required by law, you also may want a boat owners policy in order to provide physical damage coverage for your boat.

What types of boats can be covered under the policy?

Boats used for pleasure can be covered under this policy. The following list is an example of types of boats that are eligible:

  • Ski Boats
  • Deck Boats
  • Cabin Cruisers
  • Bass Boats & other types of fishing boats
  • Motorized flat-bottomed boats
  • Pontoon/Party Barges
  • Houseboats
  • Sailboats (unpowered)
  • Mini-Jet Boats
  • Personal Watercraft/Jet Ski
  • Canoes, kayaks
What types of coverages are available? Are there any discounts available?
    Definitions
  • Physical Damage Coverage- coverage to protect your boat, motor and trailer. Coverage applies while your boat is on the water, in storage, or in transit-to and from the water
  • Watercraft Liability Coverage-provides bodily injury and property damage protection for you. If you damage another boat or injure someone outside of your boat, this coverage will apply.
  • Medical Payments-if you or your passengers are injured in a boating accident this coverage will help with medical and hospital expenses.
  • Uninsured Boater Coverage-provides bodily injury protection to you and your household along with authorized users of your boat whenever you are injured by an uninsured boat owner.
  • Houseboat Contents Coverage-provides coverage for losses to your personal property located on an insured houseboat.
  • Fishing Gear Endorsement-protects your rods, reels, tackle, tackle boxes and other common tackle accessories while on board your boat.
  • Increased Boat Equipment Endorsement-options for increased coverage above the $500 limit provided under Physical Damage Coverage for boat equipment. Items such as anchors, oars, detachable trolling motors, motor covers, skis and inflatable tubes are included. Limits are available up to $10,000.
  • Increased Emergency Watercraft Assistance Endorsement-options for increased coverage above the $100 limit provided under Physical Damage Coverage. This provides towing and labor for disabled watercraft.
  • Boater Education Discount-discount available if the named insured has completed a boater education course.
  • Multi-Boat Discount-discount that applies if 2 or more boats are insured for a member.
  • Multi-Policy Discount-discount that applies if the insured also has a homeowner or auto policy.


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