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Bass Boat and Fishing Boat Insurance
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Bass Boat and Fishing Boat Insurance

At American Family Insurance, we understand boats. That’s why we offer bass and fishing boat insurance coverage that give you peace of mind knowing your boat is protected on or off the water. Whether you’re using your boat in warm or cold climates, our agents understand what’s best for your bass and fishing boat. Take a look at your coverage options and then connect with an agent to start building a policy customized for you.

Do You Need Insurance on a Bass or Fishing Boat?

State laws vary on boat insurance, but coverage for a big investment like this is always a good call. And when you consider the added benefit of liability coverage you’ll get when you pick up fishing and bass boat insurance, you could save significantly if the unexpected happens.

As a boat owner, you know that there are many things that can go wrong if you're not prepared. We’ve made insuring your boat easier with added benefits like roadside assistance and on-water recovery which are included in the boat insurance cost. You’ll have more peace of mind when taking on fishing tournaments with boat coverages like these.

What Does Bass and Fishing Boat Insurance Cover?

Apart from your standard coverage options, like physical damage, bodily injury and property damage (liability) and medical expense coverage, we’ve highlighted some additional coverages you’ll want to consider to protect your boat and everything on it:

Personal effects coverage

We know you bring a lot of important accessories out on the water with you, so we offer coverage for things like:


  • Fishing rods and reels
  • Tackle boxes, lures and rigs
  • Bait boxes and nets
  • Downriggers, outriggers and rod holders
  • Fighting chairs
  • Onboard electronics and radar systems
  • SCUBA gear

This means your items will be covered if they were to be damaged, stolen or fall into the water. With this coverage, we’ll offer full replacement for lost items, meaning we’ll cover the cost to return your items in either pre-loss condition or better! This also includes fishing equipment that belongs to your guests, as long as they’re specified on the policy.

Watercraft equipment coverage

Your bass and fishing boat insurance policy provides coverage up to $3,000 for watercraft equipment, but you can increase that coverage to meet your needs. Watercraft equipment includes accessories on the insured watercraft not installed by the manufacturer as part of the original sale. This coverage applies to common watercraft items like:

  • Watercraft trailer
  • Boat hoist
  • Marine instruments
  • Safety and life preserving equipment
  • Electric trolling motor
  • Kicker motors
  • GPS
  • Fish and depth finders

Repair cost of your bass or fishing boat

This coverage will help ensure your fishing boat will be repaired without depreciation. So, we’ll pay what it costs to return your bass or fishing boat to its pre-accident condition or better.

Total loss agreed value

Add on this coverage if you want to know exactly what you’ll be paid in the event of a total loss. You’ll send proof of the current market value of your boat and if you face a total loss, we’ll pay that amount. In the case of a partial loss, we’ll pay the cost to repair your boat.

Emergency roadside and on-water recovery assistance for your bass and fishing boat

If you’re stranded on the water, you might need a tow to get back to shore. This emergency roadside and on-water service is included with your physical damage portion of your policy. It comes at no extra cost and includes:

  • Costs to change or repair a flat or damaged tire on the trailer
  • Mechanical labor or other service up to one hour at the place of the breakdown
  • Towing by an authorized business to the nearest garage, marina, service station or other service point where necessary repairs can be made
  • Delivery of gas, oil or loaned battery (we don’t pay for the cost of parts or materials, including gas and oil).

Bass and Fishing Boat Insurance Limitations

We insure bass and fishing boats up to 54 feet long and under MSRP of $250k. Although we do insure many types of bass and fishing boats, we have some limitations, including:

  • Commercial fishing boats
  • Bass boats with max speed exceeding 75 mph
  • Charter boats
  • Racing boats
  • Homemade boats or boats made from a kit

Get a Bass and Fishing Boat Insurance Quote Today

Connect with your American Family Insurance agent to get the best coverage for all your fishing adventures. In the meantime, get in the know on winter boat insurance to ensure you’re protecting your bass or fishing boat year round.