Coverage That Keeps You Afloat — Wherever You Sail
Whether you’re cruising the lake, fishing on weekends, or spending summers on the water, boat insurance from David Starns Agencies helps you stay protected from the unexpected — so you can focus on smooth sailing ahead.
Boat Insurance
Protect Your Boat. Enjoy the Water with Confidence.
Why Boat Insurance Matters
Owning a boat brings freedom — but also responsibility. Accidents, weather damage, or theft can happen anytime. The right boat insurance gives you peace of mind knowing you’re covered both on and off the water.
What Our Boat Insurance Covers:
Liability Coverage – Protects you if your boat causes injury or property damage.
Physical Damage – Covers repairs or replacement if your boat is damaged or stolen.
Comprehensive Coverage – Protection from fire, weather, or vandalism.
Medical Payments – Helps with medical expenses for you and your passengers.
Uninsured/Underinsured Boater – Keeps you covered even when others aren’t.
Optional Add-Ons – Extra coverage for trailers, equipment, and personal effects.
"Great customer service"
"I'm very happy with Allstate. Great customer service anytime I've needed to call them."
-Pennie Yugmang
Why Choose David Starns Agencies?
Local Expertise: We understand boating life across Missouri, Kansas, and Arkansas.
Tailored Coverage: Plans designed for all types of boats — from pontoons to fishing boats.
Trusted Protection: Reliable coverage backed by real people who care about keeping you safe.
Fast Claims Assistance: Quick, friendly support when you need it most.
FAQs
Q: Is boat insurance required?
Requirements vary by state and lender, but insurance is highly recommended to protect your boat, your passengers, and your financial security.
Q: Does my homeowners insurance cover my boat?
Most homeowners policies offer limited coverage for small boats — but not for larger ones or liability on the water. A separate policy ensures full protection.
Q: Can I insure my trailer or boating gear?
Yes! We offer coverage for trailers, fishing equipment, and personal belongings on board.