Anchors Aweigh With Moorhead Insurance Agency’s Boat Insurance Policies

Boat Insurance

Like lots of people in the Land of 10,000 Lakes, you might love getting your boat, jet ski or other watercraft out for the day. But what you might not know is that owning a boat or other watercraft can increase your liability risks – even when you’re on dry land.

You don’t want to see your ‘financial boat’ sink because you were hit by unforeseen crosswinds or rough waters.

Does Your Homeowners Insurance
Cover Your Boat?

One of the biggest mistakes that boat owners make is thinking that their boat is covered by their homeowner’s insurance.

To be fair, your boat might be covered by your homeowner’s insurance … if it’s sitting in your driveway and your coverage specifically includes it. But even then, homeowner’s insurance generally places a whole “boatload” of restrictions on boat owners depending on the size and horsepower, as well as the amount of damage that’s actually covered.
So, unless you have specifically discussed boat coverage with an agent, assume that your boat is not insured properly or underinsured. That can mean trouble, especially in the unfortunate event that you lose control of your craft, sustain damage, or sink, or even if a guest causes damage.

Your boat insurance will protect you against just about any catastrophe, disaster, or accident that can befall you – on the land, on the lake, or on the river.

At Moorhead Insurance Agency, we can talk to you about your specific situation to help ensure that you have enough coverage to help you weather any storm, at a cost your family and your budget can afford.

Request a Quote

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What Does Boat Insurance Cover?

  • Physical Damage Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Property Coverage
  • Emergency Assistance
  • Wreck Removal
  • Trailer Coverage
  • Fuel Spill Liability
  • Salvage Coverage
  • Lay-Up Period Coverage
  • And More

You get more
than just a policy with us!

Contact us today for a quote.



1516 Main Ave
Moorhead, MN 56560


Mon-Thurs: 8:00AM-5:00PM
Fri: 8:00AM-3:00PM
Sat-Sun: Closed