Boat & Watercraft Insurance in Missouri & Kansas
Living near large bodies of water has its advantages. There is always something to do that includes boating or recreational water sports to keep everyone occupied. There's nothing quite like the feeling of being out on the water for the first time of the season. The sun is shining, the weather's perfect, the lake is calling your name. Maybe you're looking forward to breaking out the wakeboard, or listening to the kids' laughter as they try to dunk each other, or just relaxing with a cold drink and the sound of water lapping against the side of your boat. Thos are the moments that make owning a boat, Jet Ski or other watercraft so worthwhile. We are fortunate to have a number of great public and private lakes in Lees Summit and the surrounding Kansas City metro area such as, Blue Springs Lake, Prairie Lee Lake, Longview Lake, Smithville Lake, Lakewood, Raintree Lake, Lake Winnebago, Lake Quivera, etc...
Unfortunately, there is also an element of risk, which can interfere with the pleasure of that lazy Sunday afternoon spent on the lake. Inclement weather is also a major factor when living near the water, and having Lees Summit Mo, boat/watercraft insurance can make a big difference in protecting you and the lives of others. Working with a Missouri insurance agent like Epic Insurance to answer any questions and give you advice when you need it to make an informed choice is key.
Is boat/watercraft insurance really important?
"But I thought my jet ski was covered under my homeowners insurance." Being on the water is calming, but can turn deadly in a second. Getting coverage to keep you safe from any accidents is important. Situations can occur in a second, don't get caught un-prepared. For example, "But I thought my jet ski was covered under my homeowners insurance." If you own a jet ski, small fishing boat, canoe, or sailboat, it's true that your homeowners or renters policy likely provides some minimal protection against property damage or theft when your watercraft is on your property. That coverage is usually limited to $1,000 - $1,500, depending on the insurance company, for the boat, motor, and trailer combined. Your homeowner's liability coverage is most likely non-existent if the motor rates above 25 horse power or if the boat is longer than 25'.
Having a comprehensive MO or KS boat/watercraft insurance policy can give you some comfort in knowing you’re covered. Such a policy provides for more in-depth coverage on the different types of Fishing Boat Insurance, Ski Boat Insurance, Power Boat Insurance, Jet Ski Insurance, Ski Doo Insurance, and Yacht Insurance. With a dedicated Watercraft policy you will have many more coverage options regarding the $ value, liability limits, trailer coverage, and any other related items, such as your fishing gear, travel carriers, skis and equipment.
Don’t leave yourself in a vulnerable position. Water is temperamental and changes like the wind. Take the time to consult our Epic Insurance agents to see which type of coverage would be best for you. It’s best to be safe before you have to be sorry, and your passengers, family and friends who are on the boat or using your equipment will appreciate you putting their safety first.
Our office is conveniently located in Lees Summit, MO and we are licensed for both Missouri and Kansas. Thus, no matter at which lake your boat is located, we can provide the insurance.
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Click - "Get a Quote" or Call 816-795-6600 or email us at Support@EpicInsurance.com for a free quote!