Compare Boat Insurance for Alice & Nearby Waters
From small fishing boats and pontoons to canoes and kayaks, we build policies for the Sheyenne River, Red River, and nearby lakes in North Dakota, including weekend trips to area reservoirs.
Why Boat Insurance Matters Here
North Dakota's rivers and lakes feature varying water levels, currents, 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 Red River or Sheyenne? We’ll set navigation limits that match your plans and discuss seasonal storage, ice-out conditions, and launch 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 river and lake navigation territories set to your cruising plan
- Seasonal storage terms matched to your habits, including winter lay-up
- Storm plan & haul-out reimbursement where available
North Dakota Boating Basics (What to Know)
Registration & Title
Most boats operating on ND waters must be registered with the ND Game and Fish Department. Keep registration aboard whenever under way.
Boating Safety Certificate
Operators of motorboats may need a safety course from ND Game and Fish. Complete an approved course and carry your certification.
Local Planning
Check river levels and conditions (e.g., USGS gauges), no-wake zones, and access points before you launch. Many sites require proof of insurance.
Tip: If your boat is financed or you use public ramps, expect minimum liability limits and “proof of insurance.” We’ll provide certificates at binding and renewal.
Where Alice Boaters Go (and How We Insure It)
Many owners launch near the Sheyenne River and head to the Red River or nearby lakes. We coordinate navigation limits, towing zones, and storage plans with your launch site—whether you keep the boat locally or trailer to reservoirs.
Our Process for Alice Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/launch site.
- Usage & Territory — rivers vs. lakes, seasonal use, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certification, and site requirements.
- Bind & Proof — issue ID cards and certificates for your lender or site.
We Serve Every Alice Boater
Alice, nearby communities along the Sheyenne and Red Rivers, and lakes in Cass County—including areas around Fargo, Wahpeton, and local reservoirs.
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 Alice, ND
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 Alice
Prefer to talk? Call or text: 833-586-3264.
