Boat Insurance

Insurance that covers

what is Boat insurance?

Boat Insurance Policies often resemble Auto Insurance Policies. Boat Insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. Policies can vary between the companies but the main types of coverage are Bodily Injury and Property Damage Liability Coverage. Other optional coverages often include Medical Payments Coverage and Uninsured/Underinsured Boater Coverage.

Whatever you ride, you need insurance for your boat and assets. American Safeguard Insurance has coverage options that enable you to get the Boat Insurance policy you want. 

Risks We Cover

You have an accident

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You hit a submerged object, damaging your 10-year old motor.


If you carry Comprehensive and Collision Coverage, we’ll pay what it costs to return your watercraft to its pre-accident condition or better.

You damage your boat

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You crash your boat into the pier when trying to dock it, causing thousands in damage and injuring people on the pier.


Bodily Injury Liability covers you if you’re in a boat accident and liable for injuring others. Liability Boat Insurance also pays to repair or replace any watercraft, object or other property you damage while boating, plus legal expenses if you’re sued.

an uninsured boater damages your boat

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Another boater without insurance hits you and injures everyone on board. The boater is uninsured and can’t afford to pay out-of-pocket for the injuries caused. 


If you’re hit by a boater with no insurance or not enough insurance, Uninsured and Underinsured Boater Coverages will pay for your injuries and damages up to your policy’s limits.

you're injured in an accident

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You’re fishing and accidentally cut your hand with a sharp hook. You need stitches and have an expensive medical bill. 


Medical Payments Coverages pay for you and your passengers’ medical bills if you’re in an accident or someone is hurt on your boat.

We'd love to share our knowledge and experience

One of the most commonly asked questions of agents is “How much Boat Insurance do I need?” This is where a professional insurance agent will provide you with numerous insurance coverage options regarding limits and coverages and then explain the risk associated with each of them. Each situation is different, so visiting with your agent is important to make sure your boat is protected the way it is supposed to be.

Is boat insurance required?

In the state of Arkansas, you must carry a minimum liability insurance ($50,000) for all watercrafts of more than 50hp.

What we can do for you

Bundle your Boat Insurance

Home Insurance

Your home is maybe the most vulnerable to numerous risks of all your investments. We can insure your home and family from financial danger.

Auto Insurance

Because drivers are so unpredictable, you never know when an unavoidable accident could happen. Let us protect you from that scenario.

Life Insurance

Over the years, you’ll find comfort in knowing money will be available to protect your loved ones in the event of your passing. Let us provide this relief.

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