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Watercraft & Boat Insurance

Boating in the picturesque waters of Missouri is a pastime for many, offering an opportunity to explore the state’s stunning lakes and waterways. As a boat owner, it’s essential to recognize the significance of boat insurance in safeguarding your financial stability against unforeseen accidents and liabilities.

Contact Cloverleaf Insurance in St. Peters, Missouri, for a personalized boat insurance quote.

The Importance of Boat Insurance in Missouri

Missouri state laws do not require boat owners to maintain boat insurance. Even so, coverage is a must-have for Missouri boat owners, providing essential financial protection in case of accidents, theft or damage while operating the insured vessel.

If you finance your boat, the lienholder may require certain types and amounts of boat insurance.

Understanding Boat Insurance Coverage Options

Boat insurance typically includes several coverage options designed to cater to your needs as a boat owner in Missouri, including the following:

  • Physical damage coverage may help with the repair or replacement costs if your boat is damaged due to covered events, which may include collisions, accidents, theft, vandalism or natural disasters.
  • Liability coverage may help pay for third-party damages if you cause injuries to others or damage their property while operating your boat.
  • Uninsured/underinsured boater coverage may help provide protection if you are involved in an accident with an uninsured or underinsured boater.
  • Personal effects coverage may help cover personal belongings onboard, such as fishing gear, electronics and water sports equipment.
  • Towing and assistance may help cover emergency towing, fuel delivery and other assistance services when you are in a challenging situation on the water.

This list is not exhaustive. Your agent may recommend other coverages and endorsements to help build your policy.

Contact Us

Owning a boat in Missouri offers unmatched opportunities for exploration and relaxation on its beautiful waters. However, safeguarding your investment with the right boat insurance is essential to ensure smooth sailing.

Contact Cloverleaf Insurance today to learn more about your boat insurance options and get a quote.