Compare Boat Insurance for Ennis & Nearby Waters
From drift boats and fishing rafts to small motorboats and PWCs, we build policies for the Madison River, Ennis Lake, and trips to nearby reservoirs like Hebgen or Earthquake Lake.
Why Boat Insurance Matters Here
Local waterways feature swift currents, remote areas, and varying water levels. 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 River or nearby lakes? 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 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/Madison River/lake 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 FWP-approved courses. Carry your card while operating.
Local Planning
Check river flows and conditions (e.g., USGS gauges for Madison River), access points, and regulations before you cast off. Launch sites often 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 Ennis Boaters Go (and How We Insure It)
Many owners launch near the Madison River and head to Ennis Lake or nearby waters. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local marina, trailer to rivers, or store for the season.
Our Process for Ennis 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/title, safety certificate, and access site COI requirements.
- Bind & Proof — issue ID cards and certificates for your site or lender.
We Serve Every Ennis Boater
Ennis, Madison Valley, nearby areas like Virginia City, West Yellowstone, and access points along the Madison River and surrounding lakes.
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 Ennis, 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 Ennis
Prefer to talk? Call or text: 833-586-3264.
