Boat & Watercraft Insurance
Fishing boats, pontoons, and runabouts covered on the water, on the trailer, and in winter storage.
Boats are part of life in the land of ten thousand lakes, and a Minnesota boat policy has to cover more than time on the water. Trailering to the lake, storage through six months of winter, and springtime hail on an uncovered hull are all part of the picture. Todd insures fishing boats, pontoons, and runabouts across the northwest metro and lake country, covering hull damage, liability, and gear on board. He matches the policy to how and where you actually use the boat.
What's Included
- Hull, liability, and equipment coverage
- Trailering and storage protection
- Agreed value options
- Coordinates with your umbrella policy
Boat & Watercraft Insurance Service Areas
We provide boat & watercraft insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
Is my boat covered in winter storage?
A proper boat policy covers the boat year-round, including storage and trailering, but the details vary by carrier. Todd confirms your storage situation is covered before you shrink-wrap it in October.
Does homeowners insurance cover my boat?
Only in a very limited way, typically small boats with small limits. Most fishing boats and pontoons need their own policy for real hull and liability protection.
What about the trolling motor, electronics, and gear?
Equipment coverage can include electronics, trolling motors, and fishing gear, with limits that vary. Tell Todd what is actually on the boat and he will make sure the numbers match.
Other Services
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →