Personal Lines
Boat Insurance
Comprehensive watercraft coverage for fishing boats, pontoons, personal watercraft, and more — so you can enjoy the water with peace of mind.
Protection on the Water
Whether you're fishing on a quiet lake, cruising on a pontoon, or riding a personal watercraft, your boat represents a significant investment — and comes with its own unique set of risks.
Standard homeowners policies offer very limited coverage for watercraft. A dedicated boat insurance policy provides the comprehensive protection your vessel deserves, including on-water liability, physical damage, and more.
What Boat Insurance Covers
Physical Damage
Covers repair or replacement of your boat, motor, and trailer if damaged by a collision, fire, theft, vandalism, or weather.
Watercraft Liability
Pays for injuries or property damage you cause to others while operating your boat.
Medical Payments
Covers medical expenses for you and your passengers if injured in a boating accident, regardless of fault.
Uninsured Watercraft
Protects you if you're involved in an accident with an uninsured or underinsured boater.
On-Water Towing
Covers emergency towing and assistance if your boat breaks down on the water.
Fishing Equipment & Accessories
Covers fishing gear, electronics, and other equipment stored on your boat.
Why Work With Wheatland?
All Watercraft Types
We cover fishing boats, pontoons, ski boats, sailboats, personal watercraft, and more.
Agreed Value Options
We can help you find agreed value policies that pay the full insured amount — not a depreciated value — at claim time.
Layup Discounts
Many carriers offer discounts for the months your boat is stored and not in use.
Carrier Comparison
We shop multiple watercraft specialists to find you the best coverage at the best price.
Ready to Protect Your Boat?
Contact us today for a watercraft insurance quote. We'll find the right coverage for your vessel and how you use it.