Kansas offers some of the best water recreation found anywhere. The Sunflower State features more than 150 lakes, 10,000 stream miles, and 55,000 ponds, making the state attractive to boaters of all walks of life.
As the demand for recreational use of Kansas' waters increases, it becomes more important for boaters to be safe, knowledgeable and responsible. Part of that responsibility includes obtaining boat insurance on your craft.
Before you search for boat insurance quotes, however, there are several factors to consider.
Kansas law mandates:
According to the U.S. Coast Guard:
Boats can cost anywhere from a few thousand dollars for a small fishing boat, to hundreds of thousands of dollars for a large, luxury water craft. Regardless of how much you pay for your boat, it is no doubt an investment you intend on enjoying for years to come. A single accident without proper boat insurance protection can dock your boat and your recreational plans indefinitely.
There is also a danger of being sued in Kansas courts by another boater, swimmer or property owner, should your boat cause them injury or damage. A comprehensive boat insurance policy would protect your finances and assets from being garnished as part of a lawsuit, and can even help pay your legal fees and court costs.
Kansas state law categorizes boats in four ways:
Chances are, you can find boat insurance for you craft if it falls into any of these four classes. These boats include, but are not limited to:
Most Kansas insurance providers will offer the following coverage options as part of your boat insurance policy:
Insurance companies in Kansas take several things into account when they calculate your quote, including:
In general, boat insurance quotes can range anywhere from as little as $75, to as much as $500, per year.
Insurance companies also offer a number of discounts on your premium quote. You may find lower quotes if you only intend on using your boat during the summer months, if you have completed a boater safety course, or if you bundle your boat insurance with your car or homeowners insurance policy.
It's always a good idea to find several quotes from different insurance providers so you can be certain you have found the best rates. Always ask your insurance agent if you qualify for any discounts.
As captain of your vessel, you want to be sure your boat is covered in the case of an accident and that you are protected in the event of a lawsuit. Knowledgeable independent insurance agents on the Trusted Choice network are always here to answer any questions you may have, suggest coverage options that best suit your boat, and even assist you in filing a claim. These agents have years of experience working with Kansas insurance providers, enabling them to find you a number of quotes from a variety of companies, ensuring you only receive those with the best coverage at the most affordable rates.
Contact a Trusted Choice agent near you to find out how your boat and its captain can be protected with a boat insurance policy that meets your needs and budget.