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Personal Insurance · Mississippi

Boat & Watercraft Insurance in Mississippi

Mississippi has more than 800,000 acres of water. If you're on it, you should be insured for it — on the water, at the dock, on the trailer, and in your driveway.

Get a boat insurance quoteCall (601) 255-7500

Coverage details

What boat insurance covers

A dedicated watercraft policy provides much better protection than the limited boat coverage some homeowners policies include. Here's what a proper boat insurance policy covers.

Physical damage to your vessel

Covers your boat, motor, and trailer against collision, sinking, fire, theft, storm, and vandalism — whether it happens on the water or in your driveway.

Liability coverage

If you injure someone or damage another boat or property with your watercraft, liability coverage pays for damages and legal defense. Mississippi waterways can be busy — this coverage matters.

Medical payments

Covers medical expenses for you and your passengers if they're injured while on your boat, regardless of fault.

Uninsured watercraft

Protects you if you're injured by another boater who has no insurance.

What types of watercraft we cover

  • Bass boats and fishing boats
  • Pontoon boats
  • Jet skis and personal watercraft (PWC)
  • Ski boats and wake boats
  • Jon boats and flat-bottom boats
  • Sailboats

Common questions

Doesn't my homeowners policy cover my boat?
Your homeowners policy may cover very small boats (typically under 25 HP or under 26 feet) with limited coverage amounts. For most boats, that's not enough — and liability is usually excluded. A dedicated boat policy is the right answer.
Do I need insurance to use Mississippi waterways?
Mississippi doesn't currently require boat insurance by law, but marinas and some waterways may require it. And a liability claim from a boating accident can be financially devastating without coverage.
Is my boat covered during storage in winter?
Yes — most boat policies provide year-round coverage, including during lay-up and storage. Some policies even offer a lay-up discount for months you're not using the boat.
How much does boat insurance cost?
It depends on the type, age, and value of your boat, how you use it, and where you boat. Many policies start around $150–$300 per year for smaller vessels. Call us for a quick quote.

Protect your time on the water

We'll find the right policy so you can focus on fishing, not worrying.

Get a quoteCall (601) 255-7500