Boat Insurance and
Personal Watercraft PWC insurance


Boat insurance and Personal Watercraft PWC insurance for your boat

Even if you're not required to have boat insurance it is important to protect your boat and crew from harm. You can get that dependable coverage in our PWC and boat insurance policies at a surprisingly affordable price, along with the support of a knowledgeable agent who can help you navigate your policy. Experience the peace of mind that comes knowing your boat & PWC and other watercraft are well insured from bow to stern.

Optional coverages and insurance for your boat or PWC

Whether you're spending every day on the water or around the state, or if have your boat in storage for the winter, it's important to keep your boats and PWCs protected against the unexpected year round. Typically, coverage is not required by law, but your lien holder may have requirements. An agent can help answer your questions for your boats or PWCs, but you can also learn about the coverage types below:

Watercraft medical payments coverage
Helps pay medical costs if you or anyone on your boat is injured in an accident.

Watercraft liability coverage
If there's an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person's boat or property.

Property coverage
Covers the damage to your boat if you're involved in an accident with another boat or something else, like a pier, buoy, dock or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.

Repair cost
Covers the repair work done on your boat, motor, equipment or trailer with no deduction for depreciation.

Emergency services
If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.

Uninsured watercraft coverage
If you're in an accident with an uninsured boater, this helps pay for injuries that you, your family, or anyone else on your boat sustains.

Agreed value option
When you're reimbursed for your boat's value, you'll be reimbursed for what it was worth at the start of the policy regardless of the current market value.

Personal effect coverage
Covers your fishing equipment and other personal belongings if they're damaged, lost or stolen.

Additional boat equipment
Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.

Boat trailer coverage
Covers damages to your trailer resulting from an accident or other unforeseen incident.

Boat insurance options and discounts for your boat or PWC

Love showing off your boat? You might find yourself telling all your friends how little you pay for your boat insurance, too. Get discounts on your boat insurance policy for things like paying in full and owning a home while enjoying the quality protection you want for your watercraft. You can save with:

Multi-policy discount
Save up to 20% when you combine your boat insurance with a homeowners policy.

Full-pay discount
Pay your entire premium when you sign up, and you could save up to 10%.

Homeownership discount
Enjoy a savings of 10% just for owning a home, townhouse, condo or mobile home.

Boat education discount
Learning safety skills can be good for you and your wallet. Get a 5% discount if you've taken approved boater safety classes.

Automatic payments
Save up to 5% when you have your insurance payments automatically deducted from your bank account. Easy pay plan is not available in all states.

Boat owner tips for boat owners

Be sure to read our tips for boat owners…
http://www.jim-harper-insurance.com/article_boat_insurance.aspx


Call us today for your free boat insurance 

or PWC insurance quote

(952) 473-2110

 
If you like the numbers that we send you - you can start your new PWC or boat insurance policy over the phone.  It's that simple!

 

MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.
 
WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:
 
Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
:
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
 
Minnesota Auto Insurance
Wisconsin Auto Insurance
Iowa Auto Insurance
Minnesota Home Insurance
Wisconsin Home Insurance
Iowa Home Insurance
Auto Insurance Minnesota
Auto Insurance Wisconsin
Auto Insurance Iowa
Home Insurance Minnesota
Home Insurance Wisconsin
Home Insurance Iowa
Wayzata Home Insurance and Wayzata Auto Insurance.
Plymouth Home Insurance and Plymouth Auto Insurance.
Minnetonka Home Insurance and Minnetonka Auto Insurance.
Minneapolis Home Insurance and Minneapolis Auto Insurance.