Watercraft & Boat Insurance

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coverage for your time on the water

Boat & Watercraft Insurance for Southern Indiana and Louisville

Enjoy your time on the water knowing you’re protected. At HBS Insurance, we help boat owners across Jeffersonville, Clarksville, and the Louisville area get dependable coverage for their boats, personal watercraft, and accessories. Whether you’re cruising the Ohio River, fishing at Patoka Lake, or towing your boat across state lines, our team will help you find the right protection at the right price — so you can relax and focus on the fun part.

What We Can Help You With

Common Boat Insurance Coverages

Boat insurance helps cover financial losses related to your watercraft — including damage, theft, and liability claims. Like auto insurance, it protects both you and others in case of an accident, collision, or property damage.

Physical damage coverage

Helps pay for repairs or replacement if your boat is damaged by a covered event like collision, fire, theft, or storm damage.

Liability coverage

Covers legal and medical costs if you’re responsible for injury or property damage to others while operating your boat.

Uninsured watercraft coverage

Provides protection if another boater without insurance causes an accident or damages your boat.

Medical payments coverage

Covers medical expenses for you and your passengers after an accident, regardless of fault.

Personal property coverage

Protects your boating gear, fishing equipment, and personal belongings stored on board.

Towing and assistance

Covers emergency towing and on-water assistance if your boat breaks down or runs out of fuel.

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quick answers for boat owners

Frequently Asked Questions

  • Is boat insurance required in Indiana?

    Indiana doesn’t require boat insurance by law, but marinas and lenders often do. We strongly recommend it to protect your investment and financial security.

  • Does my homeowners policy cover my boat?

    Most homeowners policies offer limited protection for small boats. For full coverage, a dedicated boat insurance policy is best.

  • Can I insure my boat year-round?

    Yes. Even during winter storage, coverage protects against theft, fire, and other risks while your boat isn’t in use.

  • Do you cover jet skis and personal watercraft?

    Absolutely. We can include jet skis and PWCs under a standalone or bundled policy.