Compare Boat Insurance for Ely & Nearby Waters
From canoes and kayaks to fishing boats and small motorboats, we build policies for the Boundary Waters Canoe Area (BWCA), Basswood Lake, Saganaga Lake, and trips to Lake Superior.
Why Boat Insurance Matters Here
Local waterways feature pristine lakes, portages, and wilderness areas with risks like sudden weather changes and remote locations. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, emergency assistance, salvage, and fishing gear/personal effects. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.
Heading into the BWCA or to Lake Superior? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and storage requirements.
Build the Right Boat Policy
Hull & Valuation
- Agreed Value for total losses (no depreciation) or ACV for lower premiums
- Partial loss settlement on OEM parts where available
- Coverage for machinery/underwater gear (lower units, props, shafts) per form
Liability & People
- Watercraft liability to satisfy marina requirements
- Medical payments for you/guests aboard
- Uninsured/underinsured boater (where offered)
Situational Add-Ons
- On-water towing/assistance and soft-ungrounding
- Salvage & wreck removal with separate limits
- Fuel spill liability and pollution coverage
- Fishing equipment & personal effects (scheduled limits)
- Trailer, tender/dinghy, electronics
Navigation, Storage & Storms
- Inland/BWCA/Lake Superior navigation territories set to your cruising plan
- Lay-up/wet storage terms matched to your haul-out habits
- Storm plan & haul-out reimbursement where available
Minnesota Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on MN waters must be registered with the MN DNR, and boats over certain lengths may require titling. Keep registration aboard whenever under way.
Boating Safety Certificate
Most powerboat/PWC operators need a Boating Safety Certificate issued via MN DNR-approved courses. Carry your card while operating.
Local Planning
Check water levels, weather, and portage conditions (e.g., DNR resources) before you cast off. Marinas commonly require proof of insurance to dock.
Tip: If your boat is financed or you berth at a marina, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Ely Boaters Go (and How We Insure It)
Many owners launch near Ely and head to the BWCA, Basswood Lake, or Lake Superior. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local lake, in the BWCA, or trailer to other areas.
Our Process for Ely Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — inland vs. BWCA, seasonal lay-up, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration/title, safety certificate, and storage COI requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Ely Boater
Ely, Winton, Soudan, Tower, and nearby lakes in the BWCA, including access points and launches around the region.
Local Resources
Why Choose Insurox?
- Access to 150+ insurance carriers
- Specialized boat insurance advisors
- Fast online quotes
- No hidden fees or surprises
- Local expertise in Ely, MN
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and plans. We’ll size liability, choose agreed value vs. ACV, and add towing, salvage, and fuel spill coverage as needed.
Get Your Boat Insurance Quote in Ely
Prefer to talk? Call or text: 833-586-3264.
