Covering You Across all 10,000 Lakes
Whether you’re spending every day on the water or have your boat in storage for the winter, it’s important to keep your watercraft protected against the unexpected year-round.
When it comes to watercraft insurance, our team knows best. We’ll help you get your boat insured, so you can truly enjoy the Land of Ten Thousand Lakes, one boat outing at a time.
Boat Insurance Coverage Types
Watercraft medical payments coverage
Helps pay for medical costs if you or anyone on your watercraft is injured in a boating accident.
Watercraft liability coverage
This covers medical and other expenses of anyone injured, as well as the cost of repairing or replacing another person’s boat or property.
Property coverage
Covers the damage to your boat if you’re involved in an accident with another boat or something else, like a pier, buoy, dock, or water debris.
Emergency services
If your boat breaks down, this covers the cost of towing and labor, along with the cost of delivering fuel, oil, or a battery.
Repair cost
Covers the repair work done on your boat, motor, equipment, or trailer with no deduction for depreciation.
Uninsured watercraft coverage
If you’re in an accident with an uninsured boater, this helps pay for injuries that you, your family, or anyone else on your boat sustains.
Agreed value option
When you’re reimbursed for your boat’s value, you’ll be reimbursed for what it was worth at the start of the policy, regardless of the current market value.
Personal effect coverage
Covers your fishing equipment and other personal belongings left on a boat in the event they’re damaged, lost, or stolen.
Additional boat equipment
Covers boat accessories like anchors, life jackets, and navigation gear, up to the policy limits.
Contact US
Reach out to our team.
Make sure you’re protected from life’s uncertainties. Whether you’re changing your career, starting a business, growing a family, raising children, or nearing retirement, The Bialke Agency has your back. Contact us today to discuss the right coverage for your life’s most important things.