Compare Boat Insurance for Bozeman & Nearby Waters
From drift boats and fishing rafts to small motorboats and PWCs, we build policies for the Gallatin River, Madison River, and trips to Hebgen Lake or Yellowstone River areas.
Why Boat Insurance Matters Here
Local waterways feature swift currents, rocky rivers, and recreational areas. 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 to the Madison or Gallatin Rivers? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and river access 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 launch 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
- Inland/river/lake navigation territories set to your cruising plan
- Lay-up/dry storage terms matched to your seasonal 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 some 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 levels and conditions (e.g., USGS gauges), no-wake zones, and access points before you cast off. Outfitters and launch sites commonly require proof of insurance.
Tip: If your boat is financed or you use a commercial outfitter, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Bozeman Boaters Go (and How We Insure It)
Many owners launch near Bozeman and head to the Gallatin or Madison Rivers, or to nearby lakes like Hebgen. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local marina, river access, or trailer to remote spots.
Our Process for Bozeman Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/launch site.
- Usage & Territory — river vs. lake, 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 outfitter COI requirements.
- Bind & Proof — issue ID cards and certificates for your outfitter or lender.
We Serve Every Bozeman Boater
Bozeman, Bridger Canyon, Four Corners, Gallatin Gateway, and nearby rivers/launch sites in Big Sky, West Yellowstone, and along the Gallatin/Madison.
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 Bozeman, MT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and launch site. 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 Bozeman
Prefer to talk? Call or text: 833-586-3264.
