Compare Boat Insurance for Bighorn & Nearby Waters
From fishing boats and drift boats to canoes and PWCs, we build policies for the Bighorn River, Yellowstone River, and trips to nearby reservoirs like Bighorn Lake.
Why Boat Insurance Matters Here
Local waterways feature swift currents, rapids, and recreational fishing spots. 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.
Heading down the Bighorn or to Yellowstone? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and access site 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 access site 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
- Bighorn/Yellowstone navigation territories set to your cruising plan
- Lay-up/dry storage terms matched to your haul-out 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 FWP, 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 Montana FWP-approved courses. Carry your card while operating.
Local Planning
Check river flows and conditions (e.g., USGS Bighorn River gauges), no-wake zones, and access points before you cast off. Access sites commonly require proof of insurance.
Tip: If your boat is financed or you use public access sites, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Bighorn Boaters Go (and How We Insure It)
Many owners launch near the Bighorn River and head to Yellowstone River or Bighorn Lake. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local marina or trailer to river access points.
Our Process for Bighorn Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — river vs. reservoir, 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 access site COI requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Bighorn Boater
Bighorn, Hardin, Billings, and nearby areas along the Bighorn and Yellowstone Rivers.
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 Bighorn, MT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and access points. 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 Bighorn
Prefer to talk? Call or text: 833-586-3264.
