Boat & Watercraft Insurance
Blue Paddle Insurance was built around a love for water — and our boat and watercraft insurance reflects that passion. Whether you enjoy the Missouri River in North Dakota or the Flathead Lake in Montana, we help you protect your vessel with clarity and confidence.
Montana | North Dakota
What Is Boat & Watercraft Insurance?
Boat insurance protects you financially if your vessel is damaged, stolen, involved in an accident, or causes harm to others. It also covers specialized situations unique to watercraft use such as grounding, storms, collisions, fuel-spill liability, and towing assistance.
Policies are customizable based on the type of vessel you own — including fishing boats, pontoons, sailboats, cabin cruisers, ski boats, jet skis, and personal watercraft (PWC).
We help you navigate these differences, selecting coverage that fits your waters and your lifestyle.
Boat and Watercraft Insurance Coverage Options
Physical Damage Coverage
Repairs or replaces your boat if damaged by collision, storms, fire, theft, or vandalism.
Liability Coverage
Protects you if your boat causes injury or property damage.
Medical Payments
Covers medical expenses for you and passengers.
Uninsured Boater
Protects you against boaters with no coverage.
Trailer Coverage
Insures your trailer against physical damage and theft.
On-Water Towing & Assistance
Covers towing, fuel delivery, dead batteries, and soft-grounding extraction.
Why Choose Blue Paddle Insurance
Our brand was inspired by water — and our expertise follows the same theme: calm, clarity, balance, and protection. As an independent agency, we provide access to multiple carriers and help you compare policies designed specifically for your boat & watercraft insurance needs.
Coverage tailored to freshwater operations
Protection for storms and seasonal storage
Knowledge of local boating regulations
Competitive options for jet skis and PWCs
Discounts for bundled policies
Digital quoting and servicing
State-Specific Information for boat and watercraft insurance
North Dakota
Missouri River boating requires strong liability and physical damage protection, especially for seasonal storms and storage. Boaters Safety information for North Dakota Game and Fish
Montana
Flathead Lake and Montana’s reservoirs require theft protection, collision coverage, and accessory protection. Boating information from Montana Fish, Wildlife and Parks
Request a Quote
Your boat deserves coverage as steady as calm water — request your quote today.