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

Ensure Your Watercraft Is Covered with Reliable Insurance

There’s nothing like the freedom of being out on the water—whether you’re cruising across Saylorville Lake, fishing on the Des Moines River, or enjoying a weekend getaway on your personal watercraft.

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

Without the right boat insurance, you could be left dealing with expensive repairs, legal liabilities, or even the total loss of your watercraft.

That’s why The Insurance Specialists Inc. offers comprehensive boat and personal watercraft insurance in Des Moines, IA, and the surrounding areas, ensuring you’re protected where it matters most.

Our policies help safeguard you from:

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    Iowa’s unpredictable storms that can cause serious damage

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    Collisions on busy lakes and rivers, leading to costly repairs

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    Vandalism and theft, keeping your investment secure

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    Liability claims if someone gets injured on or around your boat

With tailored coverage designed for Iowa’s boaters, you can enjoy the water confidently, knowing that your investment, passengers, and peace of mind are fully protected.

Get the Right Coverage and Enjoy Worry-Free Boating

At The Insurance Specialists Inc., we believe that boating should be about fun, not financial risks. Our customized policies make sure you’re covered, so you can focus on making the most of every trip.

📞 Call us today or request a personalized quote for boat insurance in Des Moines, IA!

Personalized Insurance for Boats and Watercraft

Every boat owner has individual needs when it comes to protecting their vessel. That’s why we provide personalized insurance plans designed to match your specific watercraft and boating habits.

Partnering with Progressive Insurance allows us to offer top-notch coverage, safeguarding your investment and ensuring you can enjoy your time on the water worry-free. Check out our variety of options to discover the perfect plan for your situation.

Basic Coverage Options from Progressive Insurance:

  • Liability Protection: Covers you in the event your watercraft causes harm to other vessels, damages property like docks or piers, or results in injuries during an accident, ensuring you’re not left with hefty legal or financial burdens.

  • Collision Protection: Pays for repairs to your boat or watercraft if it crashes into another vessel, a dock, or an underwater obstacle.

  • Comprehensive Coverage: Covers non-collision events like theft, storm damage, vandalism, or fire, offering protection against a broad range of risks.

  • Uninsured/Underinsured Boater Coverage: Provides financial support if you’re in an accident with a boater who doesn’t have enough insurance to cover the damages.

  • Medical Payments Coverage: Covers medical expenses for you and your passengers if injuries occur in a boating accident

  • On-Water Emergency Assistance:  Includes essential services such as towing, fuel delivery, and mechanical support, so you’ll never be left stranded 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.

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.

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.

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

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 insurance provider for your boat or personal watercraft is essential. Here’s why so many trust us with their watercraft insurance needs:

Experienced Guidance

Benefit from expert advice provided by our knowledgeable insurance professionals, who have years of experience helping Iowa boaters navigate their coverage options.

Personalized Protection

Our adaptable insurance policies are designed to match your unique boating lifestyle and needs, giving you the coverage that fits you best.

Affordable Rates

By working with industry-leading insurers, we provide you with competitive pricing without compromising on coverage quality.

Trusted Partnerships

Our strong relationships with top-rated insurance carriers ensure you receive dependable and comprehensive protection for your boat or personal watercraft.

Boat/Personal Watercraft Insurance FAQs

We understand that navigating boat and personal watercraft insurance can be tricky. To help you make informed decisions, we’ve gathered answers to some of the most common questions about coverage and options.

Boat insurance is not legally required in Iowa. However, if you’re financing your boat or docking at certain marinas, coverage might be required. It’s a smart investment to protect yourself from potential accidents or damages.

Standard policies generally cover damage to your boat, liability for accidents, theft, and medical costs for injuries incurred on the water. You may also have options to include additional coverage, like towing or personal items onboard.

The cost of coverage depends on several factors, including the boat’s size, type, usage, and the coverage selected. Most boat owners in Iowa can expect to pay anywhere from $200 to $500 annually, though this can vary.

Several aspects influence your insurance premium, such as your boat’s value, where it’s kept, how often it’s used, your driving history, and the types of coverage you select.

Yes, personal watercraft (PWC) like Jet Skis and Sea-Doos can be included under a boat insurance policy or as a separate policy, depending on your insurer’s options. Check to ensure your PWC is properly covered.

There are several strategies you can use to lower your insurance expenses. Taking approved safety courses for boating may qualify you for price reductions. You can also explore bundling multiple insurance policies, like home or auto, which could lead to discounts. Keeping a good track record as a safe boater and choosing a plan with a higher deductible are additional ways to reduce premiums.

General wear and tear, mechanical issues, and damages from certain high-risk activities (like racing) are usually excluded unless specifically covered by your policy.

Coverage areas depend on the policy. Some only cover inland waterways, while others may extend to coastal regions or require additional options for international trips. It’s important to confirm with your provider where your policy is valid.

Yes, boat insurance policies can typically be canceled at any time, though some companies may charge cancellation fees or offer prorated refunds depending on the circumstances. Be sure to review your policy terms before canceling.

If you find yourself needing to file a claim, get in touch with your insurer immediately. Ensure that you have the necessary records, including photos or invoices, to support your claim. Follow your insurer’s specific guidelines to submit the claim. Once submitted, your provider will assess the situation and let you know about compensation or repairs.

Our Other Recreational Insurance Services

Discover a comprehensive selection of recreational insurance services designed to protect your favorite outdoor vehicles. Click on the links below to explore coverage options that best fit your lifestyle and ensure peace of mind during your adventures.

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.

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