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Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Does boat insurance cover my boat when it is in winter storage?

If you’re a boat owner in Ankeny IA, you’re probably aware that you must have insurance. But what does that insurance actually cover? The required insurance does not cover damage to your boat whether it be in storage or on the water. For that, you will need additional coverage. Our team of insurance experts at Maschoff Insurance can help you take a look at the requirements for boat insurance in Iowa and what kinds of coverage are available.

Boat Insurance Requirements in Iowa

In Iowa, all boats must be insured with liability insurance. This type of insurance covers damage that you or your boat may cause to other people or property. It does not, however, cover damage to your own boat. Coverage for your own boat is not required by law, but it’s still a good idea. Two types of additional coverage are available for boats in Iowa: physical damage coverage and medical payments coverage.

Physical damage coverage insures your boat against loss or damage due to things like fire, theft, or collision. This is the type of policy you need to cover your boat when it is in winter storage or at any other time. Physical damage covers the expenses needed to repair your boat from any of the damage covered in your policy.

Medical payments coverage will pay for medical expenses incurred by you or your passengers due to an accident involving your boat. 

Give Us A Call

So there you have it—a rundown of boat insurance requirements and coverage options in Ankeny, IA. Don’t hesitate to ask your agent at Maschoff Insurance any questions you may have about your coverage.  Happy boating!

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