Personal Insurance
Boat Insurance
Boat and personal watercraft insurance in Arkansas for your boat, motor, trailer, and time on the water.
Boats and personal watercraft are a big investment, and a homeowners policy usually offers little or no coverage for them. Boat insurance can help protect your boat, motor, trailer, and equipment, along with your liability if you're responsible for an accident on the water.
Whether you're on Greers Ferry, Lake Ouachita, Beaver Lake, or the Arkansas River, we'll compare boat policies from multiple carriers and help you choose how your boat is valued, what's covered, and which options make sense for how you use it.
What Boat Insurance typically covers
Physical Damage
Helps pay to repair or replace your boat, motor, permanently attached equipment, and trailer if they're damaged or stolen. Some carriers offer agreed value, which pays the insured amount minus your deductible on a total loss instead of factoring in depreciation.
Liability
Helps cover injuries to others and damage to their property when you're at fault for a boating accident.
Medical Payments and Uninsured Boater
Can help pay medical costs for you and your passengers, including skiers and tubers, and help protect you if you're hurt by an uninsured or underinsured boater.
On-Water Extras
Options may include fuel spill and wreck removal, personal effects, fishing equipment, and emergency towing or assistance on the water.
Arkansas requires liability coverage for many boats
Under Arkansas law, motorboats over 50 horsepower and personal watercraft need at least $50,000 of liability coverage per occurrence, with proof kept on board. That's a legal minimum, so we'll help you decide whether higher limits and physical damage coverage make sense for your boat.
Related coverage
Common questions
Does homeowners insurance cover my boat?
Usually very little, if anything. Many homeowners policies limit or exclude boats, motors, and liability on the water. A dedicated boat policy is designed for those risks.
Is boat insurance required in Arkansas?
For many boats, yes. Arkansas law requires at least $50,000 of liability coverage per occurrence for motorboats over 50 horsepower and for personal watercraft. Proof of insurance must be kept on board and submitted with your registration. Lenders and marinas may require additional coverage.
Can I bundle boat insurance with my auto and home?
In many cases, yes. Many carriers offer multi-policy discounts when you place eligible policies with the same company. We'll compare options to see what fits.
Ready to protect what matters with the right boat coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.