Boat Insurance

Boat & Watercraft Insurance

Ozark Hills Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.


Do you know what to look for in a watercraft insurance policy? Ozark Hills Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.


Here are some items you’ll need to consider when shopping for boat insurance.


Navigational Area
Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. 


Agreed Value Coverage
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.


Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.


Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. 


Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.


Uninsured/Underinsured Watercraft Bodily Injury
If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.


Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.


Personal Effects
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required in our area. 


Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.


Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.


Every need is unique – contact us today to find out how to get the best boat insurance coverage for you.
List of offices and clickable phone numbers.



Office Locations: 
West Plains, MO
1701 Porter Wagoner Blvd, West Plains, MO 65775


Thayer, MO
208 Chestnut St, Thayer, MO 65791


Gainesville, MO
490 Third Street, Gainesville, MO 65655


Mountain Home, AR
405 AR-5, Mountain Home, AR 72653


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