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Bass Boat Insurance

Looking for affordable bass boat insurance?

Bass boats are some of the most common boats our customers insure with our carrier partners. It makes sense, they can be used for fishing, nature observation, or a casual cruise. However you choose to use your bass boast, we can help to keep you and your boat insured properly. You can request a bass boast insurance quote online, or give us a call at (877) 334-7646 to talk with one of our boat insurance specialists. We’ll help you get the right coverage at an affordable rate.

Not sure if you need insurance for your bass boat?

It’s true, boat insurance is only legally required in a few states. However, that’s not the only reason to buy bass boat insurance. You’ll need a boat insurance policy with comprehensive and collision protection to protect your boat against physical damage. This helps avoid paying out of pocket for expensive repairs. Additionally, liability coverage is great when you need to pay for the damages or injuries you caused to other boaters, but it won’t help repair your bass boat. Get more information on boat insurance requirements.

Here are some advantages of a good bass boat

  • Super easy to maintain and operate
  • What to keep both hands on your fishing rod? They normally have a trolling motor.
  • They sit low in the water and are not vulnerable to wind gusts.
  • Lightweight and smaller, so they’re easier to store and tow.
  • Affordable

What you should know when insuring your bass boat

  • You can add insurance for your fishing equipment, including power poles and fish finders
  • Completing a boater safety course could bring down your bass boat insurance cost
  • Progressive offers coverage for your bass boat’s trailer
  • Boat insurance typically won’t cover corrosion to your watercraft’s hull or manufacturing defects

How much does bass boat insurance cost?

Bass boat insurance is affordable. You can get a liability policy for as little as $100/year with some carriers. Suffice it to say, insuring your bass boat with one of our partner carriers can be very reasonable. Our carriers offer several boat insurance discounts to help you afford your policy, including a multi-policy discount when you bundle it with your auto & home insurance.  Learn more about bundling policies.

What to find more ways to save on boat insurance, learn more about the cost of boat insurance.

What does bass boat insurance cover?

You can always get the basics, like liability to cover you if you’re at fault in a boating accident and comprehensive/collision to cover your watercraft against physical damage. But the best bass boat insurance will offer special coverages to safeguard your boating experience. Here are some common bass boat coverages our customers enjoy:

Mechanical breakdown coverage

Add mechanical breakdown coverage and the insurance carrier may pay to repair or replace the lower unit of your bass boat’s outboard motor for failure due to mechanical breakdown. You’re even covered if the damage is caused by general wear and tear.

Fishing equipment coverage

You can select full replacement coverage up to $10,000 for fishing rods, reels, tackle boxes, etc. Plus, you can also add personal effects coverage for items you carry on your boat, such as phones, SCUBA gear, etc. Your items are covered if they’re damaged, stolen, or fall off your boat.

Trailer trip interruption

For a small premium annually, the insurance carrier may reimburse you (up to $500) for food, hotel, and other transportation expenses if your boat trailer or tow vehicle breaks down more than 100 miles away from home.

See additional coverages for your bass boat.

Bass boat insurance limitations

We insure all types of bass and fishing boats, but we do have some limitations including:

  • Commercial fishing boats (we do insure fishing tournament use, unless it’s your primary occupation)
  • Bass boats with max speed exceeding 90 mph
  • Charter boats
  • Homemade boats made from a kit

Get a boat insurance quote.

Request a boat insurance quotes online, and one of our specialist will begin working to review your boat insurance.

Call 1-877-334-7646 to speak with an insurance agent.