Missouri boasts numerous lakes and rivers, making it a popular destination for boating enthusiasts. But what are the insurance requirements for boat owners in the Show-Me State, and what exactly qualifies as a boat? Here at Rich Insurance Agency LLC, providing boat insurance in the greater Kansas City, MO region, we want to help answer all of your boat insurance questions.
Do You Need Boat Insurance in Missouri?
Missouri law doesn’t mandate boat owners to carry insurance for their vessels. However, while it’s not a legal requirement, insurance is a prudent choice for boat owners. Boat insurance can protect you from the financial repercussions of accidents, damage, and liability claims.
What Qualifies as a Boat?
In Missouri, a boat is generally defined as a watercraft used or capable of being used as a means of transportation on water, except for seaplanes. This definition encompasses a wide range of watercraft, including motorboats, sailboats, canoes, kayaks, jet skis, and even paddleboards. If your vessel is used or could be used for transportation on water, it likely qualifies as a boat in Missouri.
Consult With Us
Boat insurance is not legally required in Missouri, but it offers important protection for boat owners. Understanding what qualifies as a boat in Missouri is essential, as it encompasses various types of watercraft. Whether you have a small kayak or a large motorboat, boat insurance can be a valuable safety net, providing coverage for accidents, damage, and liability claims. If you’re looking to insure a boat in the greater Kansas City, MO area, the team at Rich Insurance Agency LLC would love to assist you. Call us now to schedule an appointment with one of our insurance agents.
