From weekends on Sardis Lake to early mornings fishing Enid or Grenada, protect your boat, trailer, and gear, plus your liability on the water.
North Mississippi is surrounded by some of the best boating and fishing water in the South. Whether you trailer your boat to the ramp or keep it in a slip, a dedicated boat policy protects your investment from accidents, storms, and theft, and protects you if someone gets hurt.
Covers repair or replacement if your boat is damaged in a collision, sinks, or is damaged by fire, storms, or vandalism.
Coverage if your boat, motor, or trailer is stolen from your driveway, storage, or the lake.
Pays for injuries to others or damage to their property, such as another boat or a dock, when you're at fault.
Protection for you and your passengers if you're injured by a boater who has no insurance.
Options to cover your trailer, fishing equipment, electronics, and on-water towing or fuel delivery if you break down.
We Compare Rates Across 15+ Top-Rated National Carriers
As an independent agency in Oxford, MS, we shop the market to find you the strongest policy at the lowest premium.
Common questions about boat, pontoon, and personal watercraft coverage in Mississippi.
Mississippi doesn't have a general state law requiring boat insurance, but that doesn't mean you won't need it. Lenders typically require coverage if your boat is financed, and many marinas require proof of liability coverage to rent a slip. Without insurance, you could be personally responsible for injuries or damage you cause on the water.
Usually only in a very limited way. Many homeowners policies offer little or no coverage for boats, and often exclude larger motors, higher-value boats, and liability while you're on the water. A dedicated boat policy provides much broader physical damage and liability protection.
We insure pontoons, bass and fishing boats, ski and wake boats, deck boats, runabouts, jon boats, sailboats, and personal watercraft like Jet Skis and WaveRunners. ATVs, UTVs, and golf carts can be covered through our motorcycle and powersports coverage.
Many boat policies can include coverage for your trailer and offer optional coverage for fishing equipment, electronics like fish finders and trolling motors, and personal effects. Limits vary by carrier, so we'll make sure the policy matches your setup.
Often, yes. Many carriers offer multi-policy discounts when you bundle boat coverage with your auto or home insurance, plus discounts for completing a boating safety course and for experienced boat owners.
