Why Boat Insurance Matters Here

Local waterways feature rivers, lakes, and seasonal ice, with risks like varying water levels and wildlife. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, personal effects, and fishing gear. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.

Heading to the Red River or Lake of the Woods? We’ll set navigation limits that match your plans and talk through seasonal storage, ice-out preparations, and launch site requirements.

Build the Right Boat Policy

Minnesota Boating Basics (What to Know)

Tip: If your boat is financed or you use public ramps, expect minimum liability limits and “proof of insurance.” We’ll provide certificates at binding and renewal.

Where Stephen Boaters Go (and How We Insure It)

Many owners launch near the Red River and head to local lakes or up to Lake of the Woods. We coordinate navigation limits, towing zones, and storage plans with your needs—whether you keep the boat at a local ramp or trailer to regional waterways.

Our Process for Stephen Boaters

1. Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage.
2. Usage & Territory — river/lake vs. regional trips, seasonal storage, towing zones.
3. Coverage Fit — hull valuation, liability limits, towing, and gear coverage.
4. Compliance — confirm registration, safety certificate, and any ramp requirements.
5. Bind & Proof — issue ID cards and certificates.

We Serve Every Stephen Boater

Stephen, and nearby areas like Argyle, Donaldson, and along the Red River in northwestern Minnesota.

Local Resources

• MN DNR — Boat & PWC Registration
• MN DNR — Boating Safety Information
• USGS — Minnesota Water Levels & Gauges
• MN DNR — Boating Education Courses