Compare Boat Insurance for Leonard & Nearby Waters
From small fishing boats and PWCs to lake cruisers, we build policies for the Red River, Devils Lake, and nearby waterways in North Dakota, including trips to local reservoirs and rivers.
Why Boat Insurance Matters Here
Local waterways feature rivers, lakes, and seasonal ice, with potential for varying water levels and weather. 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 Red River or Devils Lake? We’ll set navigation limits that match your plans and talk through seasonal storage, ice-out preparations, and any local water body rules.
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 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/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 (e.g., USGS for the Red River), no-wake zones, and access points before you cast off. Marinas commonly require proof of insurance to dock.
Tip: If your boat is financed or you berth at a marina, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Leonard Boaters Go (and How We Insure It)
Many owners launch near the Red River or head to Devils Lake and local reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a river access, local lake, or trailer to nearby sites.
Our Process for Leonard Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — inland vs. lake/river, 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 marina COI requirements.
- Bind & Proof — issue ID cards and certificates for your marina or lender.
We Serve Every Leonard Boater
Leonard, nearby towns like Kindred, Horace, and areas along the Red River and Devils Lake region in North Dakota.
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 Leonard, ND
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and any local waterways. 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 Leonard
Prefer to talk? Call or text: 833-586-3264.
