Compare Boat Insurance for Boyes & Nearby Waters
From small fishing boats and PWCs to canoes and motorboats, we build policies for the Yellowstone River, Bighorn Lake, and other Montana waterways, including trips to local reservoirs and rivers.
Why Boat Insurance Matters Here
Montana's rivers and lakes feature currents, wildlife, and varying weather. 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 Yellowstone or to Bighorn Lake? We’ll set navigation limits that match your plans and discuss seasonal storage, storm plans, and local waterway rules.
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 meet local 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
- Seasonal 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 on Montana waters must be registered with Montana Fish, Wildlife & Parks (FWP). Keep registration aboard whenever under way.
Boating Safety Education
Operators of motorboats may need to complete a boating safety course approved by Montana FWP. Carry your certification while operating.
Local Planning
Check river levels (e.g., USGS gauges), weather, and access points before you go. Follow all FWP regulations for safety.
Tip: If your boat is financed or stored at a marina, expect minimum liability limits and proof of insurance. We’ll provide certificates as needed.
Where Boyes Boaters Go (and How We Insure It)
Many owners launch near the Yellowstone River or head to Bighorn Lake. We coordinate navigation limits, towing zones, and storm plans with your storage location—whether you keep the boat at a local ramp or trailer to nearby lakes.
Our Process for Boyes Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage.
- Usage & Territory — river/lake vs. reservoir, seasonal storage, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety education, and any local requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Boyes Boater
Boyes and surrounding areas in southeastern Montana, including nearby rivers and lakes in Carter County and adjacent regions.
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 Boyes, MT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and usage. 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 Boyes
Prefer to talk? Call or text: 833-586-3264.
