Compare Boat Insurance for Grafton & Nearby Waters
From small fishing boats and PWCs to lake cruisers on the Red River or nearby lakes like Lake Arcola, we build policies for Grafton area waterways, including seasonal trips to Devils Lake or the Pembina River.
Why Boat Insurance Matters Here
Local waterways feature rivers, lakes, and seasonal ice-out 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.
Planning trips on the Red River or to Devils Lake? We’ll set navigation limits that match your plans and discuss seasonal storage, ice-out preparations, and any 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 marina or launch 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/Red River/lake navigation territories set to your cruising plan
- Lay-up/storage terms matched to your seasonal habits
- Storm plan & haul-out reimbursement where available
North Dakota Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on ND waters must be registered with the ND Game and Fish Department. Keep registration aboard whenever under way.
Boating Safety Certificate
Most powerboat/PWC operators need a Boating Safety Certificate issued via ND-approved courses. Carry your card while operating.
Local Planning
Check water levels and conditions (e.g., via ND Game and Fish), no-wake zones, and access points before you cast off. Launch sites may require proof of insurance.
Tip: If your boat is financed or you use a launch site, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Grafton Boaters Go (and How We Insure It)
Many owners launch near the Red River and head to local lakes or rivers. We coordinate navigation limits, towing zones, and seasonal storage with your launch site—whether you keep the boat locally or trailer to larger waters like Devils Lake.
Our Process for Grafton Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/launch site.
- Usage & Territory — inland vs. river/lake, seasonal storage, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certificate, and launch site COI requirements.
- Bind & Proof — issue ID cards and certificates for your launch site or lender.
We Serve Every Grafton Boater
Grafton, nearby areas along the Red River, and access to lakes in Walsh County and beyond.
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 Grafton, 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 Grafton
Prefer to talk? Call or text: 833-586-3264.
