---
title: Minnesota Boat & Watercraft Insurance | Active Insurance Solutions
description: Boat & Watercraft insurance will give you peace of mind while out on the water. Answer any questions you have about boat & watercraft insurance through Active Insurance Solutions. Serving Chanhassen and all of Minnesota.
---

# Boat Insurance

## from Active Insurance Solutions

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## Boat & Watercraft Insurance

Active Insurance Solutions can help make your time on the water relaxed and worry-free. We will help you find a comprehensive boat insurance policy that helps protect your watercraft and equipment.

### A Customizable Plan for Every Need

Here are some items you’ll need to consider when shopping for boat insurance.

- **Agreed value coverage** means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
- **Personal liability coverage** provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage pays to repair or replace the property of someone else, as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
- **Medical payments coverage** will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
- **Physical damage coverage** pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
- **Uninsured/underinsured watercraft bodily injury coverage** pays for medical treatment, lost wages, and other costs associated with the accident if you are hit by an uninsured or underinsured boater.
- **Fuel spill liability & wreckage removal coverage** pays for an oil or fuel leak to be cleaned up--a legal requirement if your boat sinks or is seriously damaged. As the boat’s owner, you are required by law to have this cleaned up--an expensive undertaking without insurance.
- **Personal effects coverage** pays for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling, and other sporting and fishing equipment.
- **Unattached equipment coverage** pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, such as lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
- **Emergency Assistance Package** which provides coverage for towing, labor, and delivery of gas, oil, or loaned battery if the watercraft is disabled while on the water.

We can customize a plan to fit your needs. [Contact us](/contact) today to find out how to get the best boat insurance coverage for you.

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## Start Your Quote

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## Insurance Partners

[AAA — Acuity — AIG — Allstate — American Collectors — American Modern Insurance Group — AmTrust Financial — Auto Owners — Chubb — Dairyland Insurance — Figo — Foremost Insurance — GEICO — Great Northwest — GUARD Insurance Companies — Hagerty — Hanover — Hiscox — Integrity — Jewelers Mutual — Liberty Mutual — Lincoln Financial — Main Street America Insurance — Markel — MFM — Mutual of Omaha — National General Insurance — Nationwide — Next — obie — Pacific Life — Penn National — Philadelphia Insurance — Principal — Progressive — Protective Life — Prudential — PURE — RPS — Safeco — SECURA Insurance Companies — Selective — SFM — Steadily — Stillwater Insurance Group — The Hartford — Transamerica — Travelers — UFG — Universal Property & Casualty Insurance — Westfield](/insurance-companies)

## Testimonials

You don't have to take our word for it. Check out what our customers say about us.

[View Testimonials](/testimonials)

## Get Your Free Boat Insurance Insurance Quote

[Start Here](/boat-insurance/quote)

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