Abbott Insurance Kansas City

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8117 N Oak Trfy, Kansas City, MO 64118


The protection you need to get out on the water.

Boat and Personal Watercraft (PWC)

The built in coverage that some Homeowners policies offer won't cut it. Get the coverage you need to protect your investment and cover you if you're liable for damages or injuries out on the water.

What is Boat Insurance?

Boat insurance is like a safety net for your water adventures. It helps keep your boat safe and covers you if something goes wrong, like if there's damage or if someone gets hurt. Also, it can even protect your trailer from damage or theft. You can also add on extra coverage options, like getting towed if you're stranded or protection in case your boat breaks down. Because of the particular coverages needed, a separate policy provides the most protection.

Why Do You Need Boat Insurance?

Picture this: you're having a blast on your jet ski when suddenly, you accidentally collide with another watercraft. Yikes! Without insurance, you could be facing hefty repair bills or even legal expenses if someone gets injured. However, the solution is simple. Boat insurance swoops in to save the day, covering the costs so you can focus on getting back to the water in no time.

What Does Boat Insurance Cover?

From sailboats to speedboats, and everything in between, boat insurance offers a range of coverage options to suit your needs. Here are some common ones:

Property Damage

Covers repairs or replacements for your watercraft if it's damaged in an accident.

Liability Protection

Shields you from financial responsibility if you're at fault for causing injuries or property damage to others while boating.

Medical Payments

Helps cover medical expenses for you and your passengers in case of injuries sustained in a boating accident.

Trailer Coverage

Protects your trailer against theft, damage, or accidents while transporting your watercraft.

Additional Options

Want extra peace of mind? You can opt for add-ons like on-water towing, roadside assistance, or coverage for personal belongings onboard.

What types of boats can be insured?

Boat insurance policies are designed to meet the specific needs of watercraft owners, and there's a wide range of boats that can be covered. Here's a breakdown of some common types:

Bass and fishing boats

These boats are tailor-made for fishing adventures, often equipped with trolling motors and other angling features.

Pontoon boats

Perfect for leisurely cruises on lakes and rivers, pontoon boats are built on hollow metal cylinders, providing stability and comfort for passengers.


Whether you're into fishing or water sports, powerboats are versatile vessels suited for various recreational activities on the water.

Personal Watercraft (PWC)

This category includes popular watercraft like Jet Skis and Sea-Doos, ideal for one to three riders looking for adrenaline-pumping fun.


Whether they're propelled by wind or motor, sailboats can be insured to protect against the unique risks of sailing.

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Contact us if you don't see what you need.