Five Star Insurance Agency

Main Office:

215 E. Main Street Festus, MO 63028




Boat Insurance

Boat Insurance

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it.

Ensure your boating adventures are safeguarded with coverage tailored for boat enthusiasts—not just standard coverage or add-ons to your Homeowners insurance.

At Five Star Insurance Agency, we specialize in providing comprehensive protection designed to make your time on the water worry-free. We’ll ensure you, your friends and family, your watercraft, and your boating equipment are all adequately covered.

Did you know that the average boat can be insured for less than a dollar a day? Enjoying your time on the water becomes even more enjoyable when you’re not fretting about safety, passenger security, or protecting your investment.

Unsure about what to look for in a watercraft insurance policy? Let Five Star Insurance Agency assist you in determining the right coverage amount to suit your specific needs. Contact us today to begin your journey towards peace of mind on the water.


Greater St. Louis boat insurance coverages

Navigational Area — Understand where you’re covered on the water. At Five Star Insurance Agency, some of our policies offer protection extending up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. Additional coverage for areas like Midwest, Greater St. Louis.

Agreed Value Coverage — Just like cars, watercraft depreciate over time. With our Agreed Value Coverage, you can ensure that in the event of theft or destruction, you’ll receive the value you insured your boat for, minus any deductible.

Liability — Similar to car insurance, personal liability coverage provides protection for other boaters and boat owners if you’re at fault for an accident on the water. This coverage extends to repair or replacement costs for property damage, medical care, lost wages, and other expenses resulting from a boating accident where you’re deemed at fault.

Medical Payments — Our Medical Payments coverage pays for necessary medical care resulting from a boating accident, covering you, your passengers, and even water skiers or tubers, regardless of fault. Coverage options range from $500 to $10,000.

Physical Damage Coverage — Protects you against the cost of repairing or replacing your watercraft, its motor, any permanently attached equipment, and your trailer in case of theft or damage.

Uninsured/Underinsured Watercraft Bodily Injury — In situations where boat insurance is not mandatory, many boaters may be uninsured or underinsured. This coverage steps in to cover medical treatment, lost wages, and other accident-related costs if you’re injured by an uninsured or underinsured boater.

Fuel Spill Liability and Wreckage Removal — As a boat owner, you’re responsible for cleaning up any oil or fuel spills that occur if your boat sinks or is seriously damaged. Our coverage ensures you’re protected against the time-consuming and expensive cleanup process.

Personal Effects — Our policies can provide coverage for personal belongings like clothing, cell phones, sporting equipment, and fishing gear. Coverage limits vary by state, so be sure to check with us for what’s required in your area.

Unattached Equipment Coverage — This coverage pays for repairs or replacements of equipment not permanently attached to your boat but primarily used for boating activities, such as lifesaving equipment, water skis, anchors, and more.

Emergency Assistance — Our Emergency Assistance Package includes coverage for towing, labor, and delivery of gas, oil, or loaned batteries if your watercraft becomes disabled while on the water.

Would You Like Us To Review Your Policies?

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team is here and ready to make the process as painless as possible. We look forward to meeting you!

Call Us Or Schedule an Appointment

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