Boat Insurance

Home Personal Insurance Boat Insurance

Please Complete Our Boat Insurance Quote Form Or Call 651-212-7157.

Are you looking for the best boat insurance quote in Minnesota? Protecting your boat with the best insurance coverage is essential for peace of mind and financial security. Whether you’re a seasoned boater or a first-time owner, insurance shields you from potential risks on the water, such as accidental damage, theft, or liability claims. Licensed and insured insurance providers understand state regulations and offer specialized coverage tailored to your needs, whether for a personal boat, yacht, or other recreational vessel. By requesting multiple quotes from trusted insurers, you can compare premiums and coverage options and find a policy that fits your budget and boating lifestyle.

Don’t wait for an unfortunate incident—secure your investment today! Let us compare multiple insurance providers for your insurance needs. Our licensed professionals are here to guide you through the process. Click “Get My Quote” or call 651-212-7157 now for more information.

Minnesota Boat Insurance53.

Quast Insurance Agency offers watercraft insurance as part of its comprehensive personal insurance coverage. While specific details about its watercraft insurance policies are not readily available on its website, we can glean information about watercraft insurance in general from other sources.

Boat insurance protects your watercraft and provides financial security in case of accidents or damage you cause while boating. It can cover:

  • Damage to your boat: This includes physical damage from accidents, collisions, storms, fire, theft, and vandalism.
  • Liability: This covers you if you cause injury or property damage to others while boating.
  • Trailer coverage: Some policies may extend coverage to your boat trailer, protecting it against theft or damage.
  • Additional coverages: You can often purchase additional protection, such as on-water towing, mechanical breakdown, and personal effects coverage.

While watercraft insurance is not mandatory in most states, it’s highly recommended. Lenders typically require it if you finance your boat, and marinas often need it for docking. Even if not legally required, insurance can safeguard your investment and protect you from significant financial losses in the event of an accident or incident.

Just so you know, our agency writes other types of insurance, too. Many of our customers have car and homeowners insurance with us, and we always recommend personal umbrella insurance to our clients.

Several factors influence craft insurance cost

  • Location: Where your boat and store your boat can impact your rates.
  • Type of boat: The size, age, and type of boat will affect your premium.
  • Boating experience: Your experience level and boating history can influence your rate.
  • Claims history: Your past claims history, both on and off the water, can affect your premium.

“Why Boat Insurance Is Essential and How to Choose the Right Coverage for Your Needs”

To obtain craft insurance, you can contact Quast Insurance Agency directly. We can provide a personalized quote based on your specific needs and circumstances. You can also explore other insurance providers to compare rates and coverage options.

Remember, watercraft insurance is an essential investment for boat owners, providing peace of mind and financial protection on the water. Understanding the different coverage options and choosing a policy that adequately protects your investment and meets your needs are crucial.

Contact us today for your watercraft insurance quotes in Minnesota—we’re here to assist you with every step of the process. Whether you’re insuring a new boat or updating your current policy, we’re committed to finding the right coverage for you. Call us at 651-212-7157 or complete our quick quote form on this page to get started. Request your personalized boat insurance quote now and see why many boat owners trust us with their insurance needs. Enjoy the peace of mind of knowing your boat is adequately protected!

A lady who bought boat insurance from Quast Insurance.

Frequently Asked Questions about Boat Insurance in Minnesota

  1. Is watercraft insurance mandatory in Minnesota?

While not legally required by the state, watercraft insurance is highly recommended for financial protection and peace of mind. Many marinas and lenders require insurance for docking or financing, making it practically mandatory in those cases.

  1. What does boat insurance cover?

Watercraft insurance typically covers:

  • Liability: Protects you if you cause injury or property damage to others while boating1.
  • Physical Damage: This covers your boat against damage from accidents, collisions, storms, fire, theft, and vandalism2.
  • Trailer Coverage: You may extend coverage to your boat trailer, protecting it against theft or damage.
  • Additional Coverages: Optional protections like on-water towing, mechanical breakdown coverage, and personal effects coverage2.
  1. What types of boats need to be insured?

While most boats should be insured, there are some exceptions. Non-motorized watercraft 10 feet or less in length are generally exempt. However, it’s always advisable to consult with an insurance agent to determine the specific coverage requirements for your boat.

  1. Is insurance for your boat required by law?

While insurance for your boat is not always legally required, it is highly recommended for financial protection. Certain states or waterways may have specific requirements for boat liability insurance, especially for larger boats or those used for commercial use.

  1. How do I cancel my Quast Vessel Insurance policy?

You can cancel your policy by contacting Quast’s customer service team. Depending on the time left on your policy, there may be cancellation fees or a refund. You are always in full control of your policy.

  1. Do I need vessel insurance if my boat is only used occasionally?

Even if your boat is used infrequently, insurance is still a good way to protect against unexpected incidents, accidents, or theft. Some policies also offer flexible coverage options for seasonal or occasional boaters.

  1. Can I add other types of watercraft (like jet skis) to my vessel insurance policy?

Many boat insurance policies, including those from Quast, allow you to add personal watercraft like jet skis or wave runners. Be sure to inquire about coverage options and premiums for these additional watercraft.

  1. Does Boat Insurance cover boat rentals?

Boat Insurance generally does not cover rental boats unless expressly stated in your policy. If you plan to rent a boat, you may need to purchase separate insurance through the rental company or ensure that your existing policy provides coverage for rented boats.

  1. Can I get temporary or short-term boat insurance?

Quast Insurance sells annual boat policies in Minnesota. If needed, the policy can be canceled pro-rata and any difference in premium refunded. The insurance pricing assumes there is winter in Minnesota. So, keeping and annual policy just since, then you can use it anytime.  

  1. What happens if my boat is involved in a collision with another boat?

Suppose your boat is involved in a collision. In that case, the liability coverage in your insurance may help cover the cost of repairs to the other party’s boat or any medical expenses incurred. If the accident is your fault, your liability coverage will kick in. Comprehensive or collision coverage would apply for damage to your boat, depending on your policy.

Please enable JavaScript in your browser to complete this form.