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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Boat/Watercraft Insurance in Minnesota


Lake Superior's surface consists of 31,280 square feet of surface area. The average depth of the lake is 483 feet. A lot can happen out there. You and your passengers face inherent risks every time you leave the dock. When you're out on the water, you may be towing someone on water skies or an innertube. Your passengers may be unruly. Activities happen all around you, especially on a crowded lake. In areas with high tourist appeal, not all boaters have experience or boating common sense. Fly fishing from your boat on a river is a calm and meditative activity until someone's cast goes awry. While boating, reduce the risk of financial loss with reliable insurance coverage, so you only have to worry about avoiding the dangers you can't control. Experienced insurance agents at the Deluxe Insurance Group of Duluth, MN want to help you obtain the best watercraft/boat insurance for your lifestyle.

There are several main types of boat/watercraft coverage, including bodily injury, property damages, guest passenger liability, medical payments, and theft. The locations of boat storage and boat usage help determine the amounts of coverage appropriate for your situation. You may also want to discuss coverage for a boat trailer, radar equipment, towing, fishing gear, or other gear used on the boat. Our agents will ensure you have a personalized policy appropriate for your watercraft, circumstances, and budget.

Our professional insurance agents want to help you find the best coverage for your watercraft. Some homeowners' policies cover small boats, but the coverage is minimal and probably does not provide adequate coverage amounts. Jet-skis, wave runners, and yachts require a separate insurance policy in Minnesota. The lake and river waters of Minnesota offer ample opportunities for sports or relaxation. Enjoy the water without the worry of financial loss. Call our Duluth, MN office today to request a no-obligation quote and schedule an appointment.

Partner Carriers


  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland