Compare Boat Insurance for Lambert & Nearby Waters
From small fishing boats and PWCs to river cruisers, we build policies for the Yellowstone River, nearby reservoirs, and trips across eastern Montana.
Why Boat Insurance Matters Here
Local waterways in Montana, like the Yellowstone River, feature currents, varying water levels, and recreational traffic. 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 nearby lakes? We’ll set navigation limits that match your plans and discuss seasonal storage, storm preparations, and any local 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 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 navigation territories set to your cruising plan
- Lay-up/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 Certificate
Operators of powerboats/PWCs may need to complete a safety course approved by FWP. Carry your certification while operating.
Local Planning
Check water levels (e.g., USGS gauges for the Yellowstone River), no-wake zones, and access points before you go.
Tip: If your boat is financed or stored at a facility, expect minimum liability limits and proof of insurance. We’ll provide certificates as needed.
Where Lambert Boaters Go (and How We Insure It)
Many owners launch near the Yellowstone River and explore eastern Montana rivers or reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage location.
Our Process for Lambert Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage.
- Usage & Territory — river vs. lake, seasonal storage, towing zones, storm plan.
- Coverage Fit — hull valuation, liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certificate, and any local requirements.
- Bind & Proof — issue ID cards and certificates.
We Serve Every Lambert Boater
Lambert and surrounding areas in eastern Montana, including nearby rivers and access points.
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 Lambert, MT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and plans. 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 Lambert
Prefer to talk? Call or text: 833-586-3264.
