A family enjoying a pontoon boat on the water—covered by Boat Insurance in Des Moines, IA from The Insurance Specialists Inc.

Make Sure Your Watercraft Has Reliable Insurance

Enjoying time on the water is a great feeling. Whether you’re cruising on Saylorville Lake, fishing in the Des Moines River, or taking a weekend trip on your Jet Ski or other personal watercraft, it’s important to have the right insurance coverage.

However, unexpected accidents, severe weather, or theft can turn those moments of relaxation into costly setbacks.

If you don’t have the right boat insurance, you could face high repair costs, legal claims, or even lose your boat altogether.

The Insurance Specialists Inc. offers boat and personal watercraft insurance in Des Moines and Central Iowa. We help protect you and your watercraft where it matters most.

Our policies can help protect you from:

  • 1

    Iowa’s storms can be unpredictable and may cause serious damage.

  • 2

    Collisions on busy lakes and rivers that may lead to costly repairs

  • 3

    Vandalism and theft that can put your investment at risk

  • 4

    Liability claims if someone is injured on or around your boat

With coverage tailored to the needs of Iowa boaters, you can spend more time enjoying the water knowing you have protection in place for your watercraft and the risks that come with owning and operating it.

Get the right insurance and enjoy worry-free boating.

At The Insurance Specialists Inc., we think boating should be about enjoying your time on the water. You shouldn’t have to worry about the financial risks that come with it.

We’ll help you understand your boat insurance options and find coverage that fits your watercraft, how you use it, and your needs.

📞 Call us today for a personalized quote for boat insurance in Des Moines, IA.

Get My Boat Insurance Quote Now

Personalized Insurance for Boats and Watercraft

Every boat and personal watercraft owner has different coverage needs. The Insurance Specialists Inc. helps boaters in Des Moines and throughout Central Iowa find coverage based on their watercraft, how they use it, and the protection they need.

We cover fishing boats, pontoons, Jet Skis, Sea-Doos, WaveRunners, and other watercraft.

By working with Progressive Insurance, we offer a variety of boat and personal watercraft coverage options for Iowa boaters. We’ll help you understand your options and choose coverage that fits your needs.

Basic Coverage Options from Progressive Insurance:

  • Liability Protection: This helps keep you financially safe if you accidentally hurt someone or damage another boat, dock, or property.

  • Collision Protection: Helps pay for covered damage to your boat or personal watercraft resulting from a collision with another vessel or object.

  • Comprehensive Coverage: Helps cover certain non-collision losses, including theft, vandalism, fire, and storm-related damage.

  • Uninsured/Underinsured Boater Coverage: Helps provide protection if you or your passengers are injured in an accident involving a boater who has insufficient insurance or no insurance.

  • Medical Payments Coverage: Helps cover eligible medical expenses for you and your passengers following a covered boating accident.

  • On-Water Emergency Assistance: Provides access to services such as towing, fuel delivery, and assistance when your watercraft becomes disabled on the water.

Unique Coverage Options from Progressive Insurance:

  • Total Loss Replacement

    If your boat or personal watercraft is a total loss, Progressive offers coverage to replace it with a brand-new model of similar value, not just the depreciated value.

  • Agreed Value Coverage

    This option allows you to set an agreed value on your watercraft at the time of policy issuance. In the event of a total loss, you’ll be reimbursed the agreed amount, not a depreciated value.

  • Sign & Glide® On-Water Towing

    Progressive’s unique towing service provides coverage for on-water emergencies like towing, fuel delivery, jump-starts, and mechanical breakdown assistance, ensuring you’re never left stranded on the water.

  • Fuel Spill Liability & Wreckage Removal

    Progressive stands out by covering the costs associated with fuel spills or wreckage removal, which can be a significant expense after an accident.

  • Personal Effects Coverage

    Protects personal items, such as fishing gear, electronics, and coolers, if they’re damaged or stolen while on board.

Why Choose The Insurance Specialists Inc.

Choosing the right boat or personal watercraft insurance isn’t just about finding a policy, it’s about understanding your coverage and choosing protection that fits how you use your watercraft. The Insurance Specialists Inc. helps boaters in Des Moines and throughout Central Iowa compare their options and make informed coverage decisions.

Experienced Guidance

Our insurance experts help Iowa boaters understand their coverage options and the risks of boating. This makes it easier for them to confidently choose protection for their boat or personal watercraft.

Personalized Protection

We take time to understand your watercraft, how you use it, and your coverage priorities, helping you find protection that fits your individual boating needs and situation.

Coverage Options That Fit Your Needs

We work with several insurance companies to help you compare options. This way, you can find the right mix of coverage and cost that fits your insurance needs.

Established Carrier Relationships

We work with established insurance carriers, including progressive Insurance, to provide boat and personal watercraft coverage options and help you choose protection that makes sense for you.

Our Other Recreational Insurance Services

The Insurance Specialists Inc. also helps customers in Des Moines and throughout Central Iowa find coverage for motorcycles, ATVs and UTVs, travel trailers, and RVs. Explore our related recreational insurance services below to learn more about coverage for the vehicles you enjoy.

  • Motorcycle Insurance: Find coverage designed to help protect your motorcycle and provide financial protection against common risks on the road.

  • ATV/UTV Insurance: Explore coverage options for your ATV or UTV that can help protect you and your vehicle while enjoying Iowa’s trails and off-road terrain.

  • Travel Trailer/RV Insurance: Find coverage for your travel trailer or RV that helps protect your vehicle whether you’re traveling, camping, or preparing for your next trip.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

Customer Ratings & Reviews

Why our clients love us

Boat Insurance FAQs for Des Moines, IA Boat Owners

?Is Boat Insurance Required in Iowa?

No. Iowa does not currently require boat owners to carry boat insurance by state law. However, a lender may require coverage if you finance your boat, and some marinas may require proof of insurance.

Even when it isn’t required, boat insurance can help protect against financial losses from accidents, theft, storm damage, and liability claims.

The Insurance Specialists Inc. helps boat owners in Des Moines and throughout Central Iowa understand their coverage options and choose protection that fits their needs.

?How Much Is Boat Insurance a Year in Iowa?

The annual cost of boat insurance in Iowa varies because premiums are based on the boat, owner, coverage selected, and other individual risk factors.

Factors that can affect your boat insurance cost include:

  • Boat type, size, and value
  • Horsepower and performance
  • Boating experience
  • Claims history
  • Where and how the boat is used
  • Coverage limits and deductibles

The Insurance Specialists Inc. can help Iowa boaters compare available options and find coverage that balances protection with their budget.

?What Does Boat Insurance Cover for Iowa Boat Owners?

Boat insurance gives you financial protection for your boat. It also helps protect you from legal responsibility if an accident or loss happens that is covered by the policy.

Depending on the policy and coverage selected, protection may include:

  • Physical damage to your boat
  • Liability for injuries or property damage
  • Medical payments
  • Uninsured or underinsured boater coverage
  • Theft, vandalism, and certain weather-related losses
  • Personal belongings and boating equipment
  • On-water towing and emergency assistance

Coverage varies by policy, so The Insurance Specialists Inc. can help you understand which options fit your boat and how you use it.

?What Factors Affect Boat Insurance Rates in Iowa?

Insurance companies consider several factors when determining boat insurance rates. These can include the type and value of your boat, horsepower, boating experience, claims history, location, coverage limits, and deductibles.

Your safety record may also matter. Completing an approved boating safety course may qualify you for savings with some insurance carriers.

The Insurance Specialists Inc. can help you review these factors and compare boat insurance options available for your situation.

?Can I Get Insurance for a Jet Ski, Sea-Doo, or WaveRunner?

Yes, you can get insurance for personal watercraft like Jet Skis, Sea-Doos, WaveRunners, and similar types of watercraft.

Depending on the policy, coverage may include:

  • Collision damage
  • Theft and vandalism
  • Liability for injuries or property damage
  • Medical payments
  • Weather-related damage
  • Personal belongings and equipment
  • On-water assistance

The Insurance Specialists Inc. helps personal watercraft owners in Des Moines and throughout Central Iowa find coverage based on their PWC and how they use it.

?How Much Is Jet Ski Insurance in Iowa?

The cost of Jet Ski insurance in Iowa varies based on the personal watercraft and the coverage you choose. There isn’t one annual rate that applies to every Jet Ski owner.

Factors that may affect your premium include:

  • Make, model, and value of the personal watercraft
  • Horsepower and performance
  • Your location
  • Boating experience
  • Claims history
  • Coverage limits
  • Comprehensive and collision deductibles

The Insurance Specialists Inc. can help you compare personal watercraft insurance options and find coverage that fits your needs and budget.

?Does Boat Insurance Cover Theft, Vandalism, or Storm Damage?

Boat insurance may cover theft, vandalism, and certain storm-related losses when the appropriate coverage is included in your policy.

Depending on your coverage, this may include losses caused by:

  • Theft
  • Vandalism
  • Fire
  • Hail
  • Wind and severe weather
  • Other covered non-collision events

Coverage and exclusions vary by policy. The Insurance Specialists Inc. can help Iowa boat owners understand what their policy protects against both on and off the water.

?Does Boat Insurance Cover Fishing Gear and Personal Items?

Some boat insurance policies cover personal belongings and equipment that you keep on your boat.

Depending on the policy, this may include:

  • Fishing rods and tackle
  • Navigation equipment
  • Water sports equipment
  • Clothing and personal belongings
  • Other eligible boating accessories

Coverage limits and exclusions can apply, particularly to higher-value equipment. The Insurance Specialists Inc. can help you determine whether additional personal effects coverage makes sense for your needs.

?Does Boat Insurance Cover Towing or Emergency Assistance?

Some boat insurance policies offer optional on-water towing and emergency assistance coverage for situations when your watercraft becomes disabled.

Depending on the coverage selected, assistance may include:

  • On-water towing
  • Fuel delivery
  • Jump starts
  • Other eligible emergency services

The Insurance Specialists Inc. can help Des Moines and Central Iowa boaters review available emergency assistance options before heading out on the water.

?Can I Lower My Boat Insurance Cost by Bundling Policies?

You may be able to lower your boat insurance cost by qualifying for a multi-policy discount with the same insurance carrier.

Depending on the carrier, eligible policies may include auto, homeowners, renters, motorcycle, RV, or other insurance products.

The Insurance Specialists Inc. can help you review available discounts and compare coverage options to determine what makes sense for your insurance needs.

?How Can The Insurance Specialists Inc. Help With Boat Insurance in Des Moines, IA?

The Insurance Specialists Inc. helps boat and personal watercraft owners in Des Moines and throughout Central Iowa understand their insurance options and find coverage suited to their needs.

Our team can help you:

  • Review your boat or personal watercraft coverage needs
  • Compare available insurance options
  • Understand coverage limits and deductibles
  • Identify available discounts
  • Answer questions about your policy

If you have a fishing boat, pontoon, Jet Ski, Sea-Doo, WaveRunner, or any other type of watercraft, we can help you choose the right protection for it.