Compare Boat Insurance for Williston & Nearby Waters
From fishing boats and small pontoons to PWCs, we build policies for the Missouri River, Lake Sakakawee, and local reservoirs, including trips to Garrison Dam or the North Dakota Badlands.
Why Boat Insurance Matters Here
Local waterways feature rivers, reservoirs, and variable 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.
Planning trips on the Missouri River or to Lake Sakakawea? We’ll set navigation limits that match your plans and discuss seasonal lay-up periods, storm plans, and access to state ramps or marinas.
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 ramp or 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/Missouri River 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
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, 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 ND-approved courses. Carry your card while operating.
Local Planning
Check water levels (e.g., USGS gauges), no-wake zones, and access points before you cast off. State parks commonly require proof of insurance to launch.
Tip: If your boat is financed or you use state ramps, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Williston Boaters Go (and How We Insure It)
Many owners launch near the Missouri River and head to Lake Sakakawea, Garrison Dam, or local reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local marina, trailer to ramps, or store for the season.
Our Process for Williston Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — inland vs. river, 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 ramp COI requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Williston Boater
Williston, including areas like North Williston, the Missouri River corridor, and nearby spots in Watford City, Tioga, and along Lake Sakakawea.
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 Williston, ND
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and launch sites. 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 Williston
Prefer to talk? Call or text: 833-586-3264.
