Coverage for What Floats Your Boat
Boat & Watercraft Insurance in Missouri
Protection for Lake Days, Long Weekends, and Everything in Between
Watercraft Insurance With Local Experience and Real Support
Missouri is home to some of the best boating spots in the Midwest, Table Rock Lake, Lake of the Ozarks, Bull Shoals, and more. Whether you captain a bass boat, pontoon, or personal watercraft, Fortner Insurance helps Missouri boaters stay protected on and off the water. Our team will help you choose boat insurance that fits your vessel, your usage, and your lifestyle, so you can enjoy the ride with confidence.
What We Offer
Boat and Watercraft Insurance Coverage for Missouri Lakes and Waterways
Physical Damage Coverage
Helps pay to repair or replace your boat after a collision, theft, storm, or fire.
Liability Insurance
Covers injury or property damage you cause while operating your boat.
Medical Payments
Helps cover medical costs for you or passengers after a boating accident.
Uninsured Boater Coverage
Protects you if you're hit by someone without insurance.
Trailer & Transport Coverage
Covers damage to trailers used to haul your boat to and from the lake.
Fuel Spill & Wreckage Removal
Often required and can help with costly cleanup after an accident.
Personal Effects & Fishing Gear
Optional add-ons for onboard valuables.
Discounts Available
Ask about bundling with
auto insurance or
homeowners insurance for additional savings.
Why Boaters Trust Fortner
Local Agents. Lake-Friendly Policies. Fast Help When It Matters.
We Know Missouri Waters
We insure boats used across the region, from Ozark coves to Branson marinas to family cabins on Table Rock.
We Help You Avoid Gaps
We’ll explain what your policy does (and doesn’t) cover, so you’re not caught off guard.
We Work With Top Carriers
We partner with trusted insurers to find coverage that matches how and where you boat.
Boat Insurance FAQs
What Missouri Boaters Ask Most
Is boat insurance required in Missouri?
No, not by state law—but it’s highly recommended. Marinas, lenders, or HOAs may require proof of insurance.
What kind of boats can I insure?
We cover pontoons, fishing boats, sailboats, personal watercraft (like Jet Skis), and more. Ask us if you're unsure.
Does my homeowners insurance cover my boat?
Sometimes—but usually only for smaller boats or with limited protection. A dedicated policy is the safer choice.
Can I insure my trailer too?
Yes. Trailer coverage is usually an optional add-on, and we recommend it for most boat owners.
What’s the average cost of boat insurance in Missouri?
It depends on the size, type, value, and usage of your boat. We’ll shop options and explain what affects your rate.