Click to Call
Adams Insurance & Financial

3075 N Market Ave, Ste. 1,
Fayetteville, AR 72703

Get Directions

Arkansas Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance in Arkansas

The state of Arkansas is blessed with natural water bodies that are clean and alluring. Lake Ouachita is regarded as one of the cleanest in the whole country, not forgetting Buffalo River, which runs freely for 135 miles. Lake Hamilton is also another paradise, during hot seasons, it’s full of water skiers, tubers, and pleasure seekers.

With all these specials waters, one may be inspired to own a boat, but if you are blessed with one, it’s imperative to take boat or watercraft insurance cover before you start using it. A boat is an excellent investment, and it requires protection. According to Fayetteville, AR law on boat insurance, all personal watercraft having a 50 horsepower engine or greater should have $50,000 of liability insurance.

If you are a boat owner, the law may require you to produce the proof of insurance at any given time, failure to provide this proof can cause you a fine of $50 to $ 250 for a first offense, for the subsequent ones fine does increase.

So, if you plan to take a boat insurance cover, Adams insurance and Financials got your back. We are committed to making your time on the water relaxed and out of worry. Our comprehensive protection can cover you, friends, and family, and not to mention your watercraft and boating equipment. It costs less than a dollar a day for the average boat, so the water will be enjoyable when you are not worried about the safety of you, your passengers, and your equipment.

When buying the boat insurance with us, you will need to consider the following items.

  • The navigational area is where you are covered in the water.
  • The agreed value coverage
  • Liability. This covers other boaters and the boat owner in the event of an accident
  • Physical damage coverage. This includes the cost of repair or replacement of your watercraft.
  • Uninsured boater coverage.
  • This covers medical treatment, lost wages, and other costs associated with the accident if your boat collides with an uninsured boater.
  • Fuel spill liability and Wreckage removal

If your boat sinks or severely damaged, the chances of oil leaking into the water are high. The law will, therefore, require you to clean the mess. This can be expensive and time-consuming at the same time.

  • Emergency assistance

This covers the cost such as towing if the watercraft gets disabled while on the water Further inquiries can be made through our official website; you can also visit our office in Fayetteville, Arkansas or contact us today!

Request a Quote

Servicing States

  • Arkansas
  • Oklahoma
  • Missouri
  • Texas
  • Tennessee
  • Georgia

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

Partner Carriers

  • All-State
  • Equipment International Insurance Company
  • Foremost
  • Hagerty
  • K&K Insurance
  • MiniCo
  • Nationwide Insurance
  • Progressive
  • Safeco
  • State Auto
  • The Hartford