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Protection for Your Time on the Water

Boat Owners Insurance

Minnesota’s lakes are meant to be enjoyed—but accidents on the water can be costly. Johannes Agency offers boat owners insurance to protect your vessel, passengers, and liability while you’re out cruising, fishing, or docked at the marina. We help you stay covered all season long.

What’s Included in Boat Owners Coverage

Boat insurance provides essential protection for your watercraft and everyone on board. Common coverages include:

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Liability Coverage

Protects you if you cause injury or property damage while operating your boat.

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Medical Payments

Helps pay medical bills for you and your passengers after a covered accident.

Boat on a trailer, black outline.

Towing & Assistance

Reimburses for towing, emergency fuel delivery, or mechanical help on the water.

Snorkel mask.

Personal Effects Coverage

Protection for fishing gear, water sports equipment, or personal belongings onboard.

A boat on water.

Physical Damage Coverage

Pays to repair or replace your boat if it’s damaged by collision, fire, storm, or theft.

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Uninsured/Underinsured Boater

overs injuries caused by another boater without sufficient insurance.

Watercraft We Insure

Johannes Agency insures a wide range of boats and personal watercraft across Minnesota, including:

  • Fishing Boats & Pontoons

    The most common vessels for inland lake use.

  • Ski Boats & Runabouts

    High-performance coverage for recreational boating.

  • Sailboats

    Protection for small to mid-sized sailboats and rigging.

  • Personal Watercraft (Jet Skis)

    Coverage for fun and safety on smaller craft.

  • Cabin Cruisers & Yachts

    Broader policies for larger or higher-value boats.

Boat Owners Insurance FAQs

Here are answers to common questions Minnesota boaters ask about insurance:

  • Is boat insurance required in Minnesota?

    Boat insurance isn’t legally required in Minnesota, but marinas and lenders often require it. Even for small boats, coverage helps protect your investment and finances after an accident.

  • Does my homeowners policy cover my boat?

    Most homeowners policies provide limited coverage for small boats, but not larger vessels or liability on the water. A separate boat policy gives you full protection.

  • Does boat insurance cover winter storage?

    Yes. Comprehensive coverage protects your boat while it’s stored for the off-season against fire, theft, or storm damage.

  • Can I insure my fishing gear or equipment?

    Yes. You can add coverage for personal property such as fishing gear, electronics, and water sports equipment kept on your boat.

  • Does coverage apply outside Minnesota?

    Most policies include protection in U.S. and Canadian waters. If you travel farther, extended navigational limits can be added.