Boat insurance helps protect you from the financial consequences of an accident on the water, including injury you cause to another person. We’ll recommend coverage and explain why, in plain language, so you can feel confident in your protection plan. Then, we’ll shop around from over 20 insurance companies to help you find a great price. Ready to get started? Contact us or request quotes now.

Boat Insurance Coverage

  • Watercraft Liability Covers bodily injury or property damage you cause in a boating accident.
  • Collision Covers physical damage your boat sustains in an accident with another boat or object.
  • Comprehensive Covers physical damage your boat sustains from an event other than a collision, like weather damage.
  • Medical Payments Covers medical expenses if you or guests are injured in a boating accident, without regard to fault.
  • On-water Towing Covers the cost of towing your boat back to shore, if it becomes disabled on the water.
  • Fishing Equipment Covers lost or stolen fishing gear that you carry on board.
  • Uninsured / Underinsured Covers bodily injury you sustain in an accident with a boater that has too little or no insurance.
  • Trailer Covers damage sustained by your boat trailer in an auto accident.


Insurance companies offer a variety of discounts for preferred characteristics, which can lower your rates. Some discounts are common to many carriers and some are specific to a carrier. Below are some common examples but not a complete list.

  • Safe driver
  • Accident-free
  • Pay in full
  • Association
  • Auto pay
  • Safety course
  • Multi-boat
  • And more

About NSI Agency

For more than 15 years, we’ve been helping families and individuals find sensible insurance coverage for a reasonable price. Located in St. Paul MN, we can help people all over the twin cities metro area. NSI Agency is your path to protection, made easy.

Finding Great Insurance is Easy

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