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Swartz Premier Group Insurance

208 West Rollins St
Moberly, MO 65270

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204D Peach Way
Columbia, MO 65203

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Missouri Boat/Watercraft Insurance Coverage

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Boat/Watercraft Insurance in Missouri

If you own a boat or other watercraft, you know just how important it is to ensure your vessel is well-kept and well protected. Owning a boat exposes you to many risks. This is why it’s essential to obtain insurance on your boat or other watercraft in the event of an accident. We will make sure you are fully protected here at Swartz Premier Group Insurance in Columbia and Moberly, MO.

Boat Insurance Requirements

If you reside in the state of Missouri and own a boat, the state does not legally require you to obtain insurance on your vessel. However, it is highly recommended if you are involved in an accident or if your boat gets damaged by something beyond your control. It is also possible that you will need insurance if your boat is financed or leased through a company. Certain marinas also require boat insurance to keep your boat with them.

Coverage Options

There are many insurance policies available for your boat. But some of the most common are:

  • Collision will cover any damage to your boat if you are involved in an accident with another boater.
  • Comprehensive, which will provide coverage for theft, damage, vandalism, or some other unrelated cause other than a collision
  • Property damage liability, which will protect you if your boat causes any damage to someone else’s property
  • Bodily injury liability, which will keep you covered if you cause injury to someone else while you are operating your boat

Additional options include:

  • Waterside assistance
  • Uninsured boater protection

It doesn’t matter what type of boat you have, whether a yacht or a pontoon boat. There are many policies available to cover you.


Give us a call or visit our Swartz Premier Group Insurance office today to obtain a quote. We are located in Columbia and Moberly, MO.


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States Served

  • Missouri
  • Kansas