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Boat/Watercraft Insurance

Kentucky doesn't require boat and watercraft insurance, but there are many reasons you should consider purchasing it. First, if you took out a loan to buy your water vehicle, the lender will likely require you to provide proof of insurance. Since the cost of ownership is significant, you also need to secure your assets against loss. Your Best Insurance Services agent can help you determine the best insurance for your craft and usage habits. In the meantime, here's some information on the type of coverage available.

Types of Marine Insurance

When you're enjoying an afternoon on the rivers and lakes of Kentucky, you want the peace of mind that comes with owning the appropriate insurance coverage for your personal watercraft, motorboat or yacht. Watercraft policies are as customizable as the vehicles you can buy, but most include the liability, boat/watercraft, and medical coverage.


No matter how careful you try to be while operating your water vehicle, accidents happen. If you cause an accident, you'll be held accountable for the associated expenses. Boat liability insurance covers bodily injury and damage to the property of others in an accident you cause.

Uninsured Coverage

Because boat insurance is not required, there's a good chance that someone who causes an accident on the water isn't insured. Uninsured boater's insurance pays for property damage and injuries you suffer in a collision caused by someone with little or no liability insurance.

Boat Coverage

Common types of boat coverages include comprehensive, collision and on-water towing. Collision insurance pays for repairs to your watercraft or boat that's damaged in a collision. Comprehensive coverage takes care of boat repairs suffered in various non-collision-related accidents, such as a fire onboard your vessel. On-water towing handles towing if your water vehicle cannot be operated.

Medical Coverages

Boat insurance medical insurance pays for injuries you experience during a boat crash.

Contact Best Insurance Services to get answers to your boat and watercraft insurance in Kentucky. Make an appointment to receive a free quote that covers your marine insurance needs.

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