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Main Office

11233 Nall Ave, Suite 100, Leawood, KS 66211
Phone : 913-647-0091
Fax : 913-647-0095
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Boat/Watercraft Insurance

If you love the water and the outdoors, a boat is an excellent investment. If you are planning to buy a boat, you should make sure that you have the money in your budget to purchase boat insurance. There are several reasons why having boat insurance is so essential.

Protect Your Investment

Boats cost a lot of money. If you don't have boat insurance and it is damaged or destroyed in an accident or during a fire, you will be out a lot of money. The same is true if your boat is stolen or vandalized. Boat insurance would protect your investment if a disaster were to strike.

Protect Yourself

If you are using your boat and you are in an accident that injures one of your passengers, a passenger on another boat, or a swimmer, you would be responsible for paying their medical bills and any other bills associated with the accident. If you don't have boat insurance with liability coverage, you would have to pay the cost out of your own pocket, which could result in you filing for bankruptcy.

You Secured a Loan to Buy Your Boat

In most states you don’t legally have to have boat insurance. However, if you secured a loan to buy your boat, chances are your lender will require you to have boat insurance until the loan is paid off.

You Plan to Keep Your Boat In the Marina

Most marinas require you to have boat insurance if you are going to rent a slip. Before they will allow you to sign a contract, you will need to show proof of insurance. Because most homeowner's insurance policies don't cover boats, you will need boat insurance to meet the marina's requirements.

If you are buying a boat, before you take it out on the water, it is essential that you have boat insurance. The professionals at Ambassador Insurance Midwest can set you up with a policy that meets your insurance needs. To get your policy started, call our Florida or Kansas office today.

Partner Carriers

  • Accident Fund
  • American Strategic Insurance Co
  • Auto-Owners
  • Berkshire Hathaway Homestate Companies
  • Cypress
  • Foremost
  • Hagerty
  • Hiscox
  • Kemper
  • Liberty Mutual
  • Lloyd’s
  • Missouri Employers Mutual
  • Pie
  • Progressive
  • Safeco
  • The Hartford
  • Travelers
  • Universal North America
  • Universal Property & Casualty Insurance
  • USLI