Advantage 1 Insurance Agency- St. Cloud
3801 3rd Street North
St. Cloud, MN 56303

Fax: 320-252-7536

Boat Insurance

Cast Your Worries Aside.

Owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy from Stearns Insurance Services Inc., you can relax and enjoy your time away knowing that you’re properly insured. We offer many coverage options to keep you, your boat, and passengers, safe. We specialize in the following marine vehicles:

  • Yachts
  • Performance Boats
  • Sail Boats
  • Bass Boats
  • Jet Skis
  • Wave Runners

What Can a Boat Insurance Policy Cover?

Unfortunately, accidents happen, even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss. Below is specialized coverage that Stearns Insurance Services, Inc. offers:

  • Total Loss Replacement: replaces your boat with a brand new one of similar make and quality
  • Diminishing Deductible: replaces the deductible by 25 percent at each claim free renewal
  • Replacement Cost Personal Effects: protects personal items including cameras, clothes, cell phones, etc.
  • 24-Hour Roadside Assistance: covers a trailer and tow vehicle
  • Emergency Towing and Labor: provides on-water towing service
  • Wreckage Removal coverage
  • Property Damage liability: includes coverage for fuel spill cleanup
  • Medical Payments: includes coverage for water-skiers


We protect your watercraft against potential loss due to:

  • Vandalism
  • Collision with another boat or object
  • Theft
  • Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available, as you can see above.

In addition, Liability Boat Insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident. Coverage options include:

  • Bodily Injury payments
  • Damage to another’s property
  • Medical Payments
  • Guest Passenger liability

Additional Coverage Options

At Stearns Insurance Services Inc., we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for money-saving discounts when you insure multiple watercrafts or combine your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.

It’s your passion, your dream. Protect that dream for years to come with the right insurance policy from Stearns Insurance Services Inc. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.