Compare Boat Insurance for Richey & Nearby Waters
From small fishing boats and recreational crafts to PWCs, we build policies for the Missouri River, Fort Peck Lake, and local reservoirs around Richey, including trips to nearby lakes and rivers.
Why Boat Insurance Matters Here
Local waterways feature currents, varying water levels, and recreational traffic on rivers and lakes. 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 Missouri River or Fort Peck Lake? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and access point 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 access point 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/Missouri River/Fort Peck 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 Montana FWP-approved courses. Carry your card while operating.
Local Planning
Check river levels (e.g., USGS gauges), no-wake zones, and access points before you cast off. Many launches require proof of insurance.
Tip: If your boat is financed or you use public access, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Richey Boaters Go (and How We Insure It)
Many owners launch near the Missouri River and head to Fort Peck Lake or local reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local marina or trailer to nearby ramps.
Our Process for Richey Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — inland vs. river/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 point COI requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Richey Boater
Richey, and nearby areas like Glendive, Sidney, and along the Missouri 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 Richey, MT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and access points. 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 Richey
Prefer to talk? Call or text: 833-586-3264.
