Compare Boat Insurance for Conrad & Nearby Waters
From small fishing boats and pontoons to canoes and PWCs on the Marias River, Tiber Reservoir, and nearby lakes, we build policies for local waterways and trips to the Rocky Mountains.
Why Boat Insurance Matters Here
Local waterways feature rivers, reservoirs, and mountain lakes with varying conditions. 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 Tiber Reservoir or along the Marias River? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and boat ramp 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/reservoir 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 MT waters must be registered with MT Fish, Wildlife & Parks (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 MT FWP-approved courses. Carry your card while operating.
Local Planning
Check water levels (e.g., USGS gauges for the Marias River), no-wake zones, and access points before you cast off. Boat ramps commonly require proof of insurance.
Tip: If your boat is financed or you use a boat ramp, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Conrad Boaters Go (and How We Insure It)
Many owners launch near Conrad and head to the Marias River, Tiber Reservoir, or other local lakes. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local ramp or trailer to nearby reservoirs.
Our Process for Conrad Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/launch.
- 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 ramp COI requirements.
- Bind & Proof — issue ID cards and certificates for your lender or storage.
We Serve Every Conrad Boater
Conrad, and nearby areas like Shelby, Cut Bank, and along the Marias River.
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 Conrad, 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 Conrad
Prefer to talk? Call or text: 833-586-3264.
