Boat & Watercraft Insurance – Protect Your Boat in Missouri
Smooth Sailing with the Right Boat Insurance
Whether you’re casting a line at Smithville Lake, enjoying weekends at the Lake of the Ozarks, or towing a jet ski to Kansas City, your boat deserves protection as reliable as the adventures you take it on.
At Antioch Insurance, we know homeowners policies often provide little to no coverage for boats. That’s why we help Kansas City families secure dedicated boat insurance that covers your watercraft — and your peace of mind.
Coverage Features for Boat Insurance
A specialized policy can protect against more than just accidents. Antioch helps you find coverage that may include:
Physical Damage Coverage
Repairs for your boat after collisions, storms, or fire.
Liability Coverage
If you injure someone or damage another vessel or dock.
Medical Payments
Covers injuries to you or your passengers.
Uninsured Boater Coverage
Protects you if an uninsured boater causes damage.
Theft & Vandalism
Replaces your boat if stolen or damaged while stored.
Optional Add-Ons
Towing and assistance on the water, fuel spill liability, and personal effects like fishing gear.
Bundle Boat Coverage with Your Auto or Home
Because boat insurance is often added to existing policies, bundling can save you money. Antioch makes it simple to add your boat alongside your Auto Insurance or Homeowners Insurance coverage — often with discounts.
Missouri Boating Requirements & FAQs
Missouri does not legally require boat insurance for personal watercraft, but marinas, lenders, and common-sense protection often make it essential.
Is my boat covered in storage?
Yes, with comprehensive coverage, your boat is protected year-round, even in off-season storage.
Does boat insurance cover fishing gear?
Some policies can add endorsements for personal property on board — we’ll help you customize coverage.
Do I need boat insurance if I only use it a few times a year?
Yes — risks like theft, fire, or storm damage can happen anytime.
Get a Quote for Boat Insurance
Your boat is an investment in fun, family, and freedom. Don’t let an accident or storm sink your peace of mind. Antioch Insurance will compare carriers to find the best coverage for your boat, pontoon, jet ski, or fishing vessel.