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Bass Boat and Fishing Boat Insurance

Bass Boat and Fishing Boat Insurance

At American Family Insurance, we understand fishermen. Which is why we offer bass and fishing boat coverages that give you peace of mind knowing your boat is protected on or off the water. Whether you’re using your boat in warm or cold climates, our agents understand what’s best for your bass and fishing boat. Take a look at your coverage options and then connect with an agent to start building a policy customized for you.

Bass and Fishing Boat Coverages

Apart from your standard coverage options, like physical damage, bodily injury and property damage (liability), and medical expense coverage, we’ve highlighted some additional coverages you’ll want to consider to protect your boat and everything on it:

Personal effects coverage: We know you bring a lot of important accessories out on the water with you, so we offer coverage up to $100,000 for things like your fishing rods, reels, tackle boxes, lures and rigs, bait boxes, nets, downriggers, outriggers, rod holders, fighting chairs, and even personal effects like your electronics, SCUBA gear, etc. This means your items will be covered if they were to be damaged, stolen or fall into the water. And, this coverage is great because we offer full replacement, which means we’ll cover the cost to return your items in either pre-loss condition or better! This also includes fishing equipment that belongs to your guests, as long as they are specified on the policy.

Watercraft equipment Coverage: Your policy provides coverage up to $3,000 for watercraft equipment, but you can increase that coverage up to $100,000. Watercraft equipment includes accessories on the insured watercraft not installed by the manufacturer as part of the original sale. This coverage applies to items such as the watercraft trailer, boat hoist, marine instruments, safety and life preserving equipment, electric trolling motor, kicker motors, and GPS, fish/depth finders.

Repair cost: This coverage will help ensure your fishing boat will be repaired without depreciation. So, we’ll pay what it costs to return your bass or fishing boat to its pre-accident condition or better.

Agreed value: You’ll want to have this coverage if you want to know exactly what you’ll be paid in the event of a total loss. You’ll send proof of the current market value of your boat and if you face a total loss, we’ll pay that amount. In the case of a partial loss, we’ll pay the cost to repair your boat.

Towing and recovery: If you’re stranded on the water you might need a tow to get back to shore. This Emergency Roadside and on-water service is included with your physical damage portion of your policy. It includes:

  • Costs to change or repair a flat or damaged tire on the trailer
  • Mechanical labor or other service up to one hour at the place of the breakdown.
  • Towing by an authorized business to the nearest garage, marina, service station, or other service point where necessary repairs can be made.
  • Delivery of gas, oil or loaned battery (we do not pay for the cost of parts or materials, including gas and oil).

Bass and Fishing Boat Insurance Limitations

We insure boats up to 54 feet long and under MSRP of $250k. And, though we do insure many types of bass and fishing boats, we have some limitations, which are highlighted below.

  • Commercial fishing boats
  • Bass boats with max speed exceeding 75 mph
  • Charter boats
  • Racing boats
  • Homemade boats or boats made from a kit

Connect with your American Family Insurance agent to get the best coverage for all your fishing adventures. In the meantime, check out the 411 on winter boat insurance to ensure you’re protecting your bass or fishing boat year round.