Compare Boat Insurance for Story & Nearby Waters
From small fishing boats and PWCs to recreational vessels, we build policies for Bighorn Lake, local rivers like the Tongue River, and trips to Wyoming's reservoirs and mountain areas.
Why Boat Insurance Matters Here
Wyoming's waterways feature mountain lakes, rivers, and reservoirs with varying conditions like wind, currents, and elevation changes. 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 to Bighorn Lake or along the Tongue River? We’ll set navigation limits that match your plans and discuss seasonal lay-up periods, storm plans, and any local requirements for launches or storage.
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/lake/river navigation territories set to your cruising plan
- Lay-up/storage terms matched to your seasonal habits
- Storm plan & haul-out reimbursement where available
Wyoming Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on Wyoming waters must be registered with the Wyoming Game and Fish Department. Keep registration aboard whenever under way.
Boating Safety Certificate
Operators of powerboats and PWCs may need to complete a boating safety course as required by Wyoming law. Carry your certification while operating.
Local Planning
Check water levels (e.g., USGS for Bighorn Lake), weather, and any restrictions before you cast off. Public ramps often require proof of insurance.
Tip: If your boat is financed or stored at a facility, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Story Boaters Go (and How We Insure It)
Many owners launch near Bighorn Lake and explore local rivers or reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local ramp or trailer to other Wyoming waters.
Our Process for Story Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/launch site.
- Usage & Territory — lake/river vs. reservoir, seasonal lay-up, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certification, and any facility requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Story Boater
Story, and nearby areas like Sheridan, Big Horn, and launches around Bighorn Lake.
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 Story, WY
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 Story
Prefer to talk? Call or text: 833-586-3264.
