Boat Insurance in Kentucky

Boat insurance helps protect your watercraft, passengers, and liability while you enjoy time on the water. Whether you fish, cruise, or spend weekends on the lake, we'll help you match coverage to how you actually use your boat.

Does Homeowners Insurance Cover My Boat?

Homeowners insurance may provide limited coverage for small boats, but it often doesn't offer enough protection for liability, physical damage, or on-water risks. A dedicated boat policy usually provides broader, clearer coverage - especially for larger boats, pontoons, and PWCs.

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Coverage by Boat Type & Use

Pontoon Boats

Popular for relaxing and entertaining on the lake, pontoons often benefit from strong liability coverage and physical damage protection.

Fishing Boats

Coverage for hull, motor, and equipment - plus protection while trailering to and from the lake.

Ski & Wake Boats

Higher horsepower and towing activities may require specialized coverage options.

Personal Watercraft (Jet Skis)

Often insured separately with liability and physical damage options.

Lake-Only vs Traveling

We'll tailor coverage whether your boat stays local or travels to other lakes.

Key Boat Insurance Features

Liability Coverage

Helps protect you if someone is injured or property is damaged while operating your boat.

Physical Damage

Covers damage to the boat and motor from accidents, weather, or theft.

Agreed Value vs Actual Cash Value

Agreed value pays a set amount if the boat is totaled; actual cash value factors in depreciation. We'll explain the difference.

Towing & On-Water Assistance

Optional coverage for breakdowns or mechanical issues on the water.

Trailer Coverage

Protection for your boat trailer while towing or parked.

Coverage for Kentucky Lake Living

From weekends at Cave Run Lake to storage at home or marinas, how and where you keep your boat matters. We help you choose coverage that fits your storage, usage, and seasonal patterns.

Boat Insurance Quote Checklist

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Boat type, length, and horsepower

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Year, make, and model

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Storage location (home, marina, dry storage)

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Usage type and frequency

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Prior claims or losses

Boat Insurance That Fits Your Lifestyle

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Independent access to top carriers

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Clear explanations, no guesswork

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Help adjusting coverage as usage changes

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Local support when you need it

Get the Right Coverage Before You Launch

We'll help you enjoy the water with confidence - knowing your boat is properly insured.