Compare Boat Insurance for Antelope & Nearby Waters
From small fishing boats and PWCs to canoes and motorboats on local rivers and reservoirs, we build policies for the Milk River, Fort Peck Lake, and trips to nearby waterways in northeastern Montana.
Why Boat Insurance Matters Here
Local waterways feature rivers, reservoirs, and potential hazards like currents and weather changes. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, fuel-spill liability, salvage & wreck removal, and fishing gear/personal effects. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.
Planning trips on the Milk River or to Fort Peck Lake? We’ll set navigation limits that match your plans and discuss seasonal lay-up periods, storm plans, and any 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 or ramp 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/river/lake navigation territories set to your cruising plan
- Lay-up/dry storage terms matched to your habits
- Storm plan & haul-out reimbursement where available
Montana Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on Montana waters must be registered with Montana Fish, Wildlife & Parks (FWP). Keep registration aboard whenever under way.
Boating Safety Certificate
Operators of powerboats/PWCs born after January 1, 1975, need a Montana Boater Education Card from FWP-approved courses. Carry your card while operating.
Local Planning
Check water levels (e.g., USGS gauges), weather, and any restrictions before you go. Some areas may require proof of insurance for storage or launching.
Tip: If your boat is financed or stored at a facility, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Antelope Boaters Go (and How We Insure It)
Many owners launch near the Milk River or head to Fort Peck Lake and other nearby reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local ramp or trailer to regional lakes.
Our Process for Antelope Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — river/lake vs. inland, seasonal lay-up, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certificate, and any storage requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Antelope Boater
Antelope, and nearby areas in Valley County, including Scobey, Plentywood, and access points along the Milk River and Fort Peck Reservoir.
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 Antelope, MT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and any 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 Antelope
Prefer to talk? Call or text: 833-586-3264.
