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Boat Insurance in Northern Colorado

Coverage for Smooth Sailing

Boating should be about relaxation and adventure — not worry. Just like auto insurance protects your car, boat insurance in Northern Colorado protects your watercraft, passengers, and finances in case of accidents, theft, or unexpected events. At Chris Covers Your Assets, we’ll walk you through your options so you know exactly how your coverage works before you head out on the water.

What Boat Insurance Covers

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Liability Coverage

Covers damages and injuries you’re responsible for, including harm to other boats, docks, property, or swimmers.

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Physical Damage Coverage

Pays for repairs or replacement of your boat if it’s damaged in a collision, stolen, or harmed by fire, vandalism, or storms.

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Uninsured/Underinsured Boater Coverage

Protects you and your passengers if you’re involved in an accident caused by another boater who doesn’t have enough coverage.

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Medical Payments Coverage

Helps cover medical expenses for you and your passengers after an accident, no matter who is at fault.

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Equipment & Accessories

Optional coverage for fishing gear, navigation systems, and other boating equipment.

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Towing & Assistance

Provides coverage for on-water towing or emergency assistance if your boat breaks down.

Benefits of Boat Insurance

Boat insurance gives you more than financial protection — it gives you peace of mind every time you’re on the water. From covering liability and physical damage to protecting passengers, the right policy ensures your time on lakes, rivers, or coastal waters stays stress-free. With nearly 30 years of experience, Chris will help you find the right coverage so you can enjoy boating with confidence.

Frequently Asked Questions

  • Is boat insurance required in Colorado?

    Colorado does not require boat insurance by law, but many marinas and lenders do. Even if it’s not required, coverage is strongly recommended to protect against financial loss.

  • Does my homeowners insurance cover my boat?

    Not fully. Most homeowners policies offer limited coverage for small boats, but larger boats, motors, and liability require a separate boat insurance policy.

  • What affects the cost of boat insurance?

    Rates depend on the type of boat, its age, value, horsepower, where it’s used, and your boating experience. Safety courses and bundling can help reduce premiums.

  • Can I insure personal belongings on my boat?

    Yes. Many boat insurance policies offer add-on coverage for fishing equipment, electronics, and personal items kept on your boat.

From our office in Northern Colorado, we proudly serve boaters across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona. Whether you own a fishing boat, pontoon, or motor yacht, Chris Young Agency will help you find the right coverage to keep your adventures safe.

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