Boat & Watercraft Insurance
Coverage for fishing boats, pontoons, and personal watercraft on Minnesota's lakes, plus the trailer that gets them there.
In the land of ten thousand lakes, the boat is not a luxury item, it is part of the family calendar. Todd insures fishing boats, pontoons, runabouts, and personal watercraft with coverage that follows how Minnesotans actually use them: liability for a crowded summer sandbar, physical damage for the hull and motor, trailer coverage for the miles between home and the landing, and lay-up provisions for the long winter storage season. Because he works with multiple carriers, Todd can match the policy to the boat, whether it is a new pontoon on Buffalo Lake or a well-loved walleye rig that lives on a trailer in Elk River.
What's Included
- Hull, motor, and equipment coverage
- Liability for passengers and other boaters
- Trailer and transport protection
- Winter lay-up and storage provisions
Boat & Watercraft Insurance Service Areas
Todd writes boat & watercraft insurance across the northwest Twin Cities metro.
Frequently Asked Questions
Does my homeowners policy cover my boat?
Usually only in a very limited way, often small boats and low liability amounts. A dedicated boat policy covers the hull, motor, trailer, and meaningful liability. If your boat has a motor worth caring about, it deserves its own policy.
Do I need coverage in the winter when the boat is in storage?
Yes, and it is worth keeping. Storage-season risks are real: fire, theft, roof collapse at a storage facility, damage in transport. Many policies account for the reduced season in how they are structured, which Todd can walk you through.
Is my boat trailer covered automatically?
Not always, and the gap shows up at the worst time, on the highway. Todd makes sure the trailer is addressed either on the boat policy or the auto policy, and that the two do not leave a seam between them.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →