It’s estimated that forty-four million people in the United States identify as recreational anglers. While most of these enthusiasts fish from land or docks, a select few use things like bass boats to access remote fishing spots.

If you recently invested in this type of boat, you might be deciding whether or not to get insurance for it. The reality is that bass boat insurance coverage is vital for any new owner.

In this guide, we’ll be breaking down three reasons why boat insurance coverage is worth the costs at the end of the day. We’ll also go over some tips on how to find a good policy for your needs.

  1. It Protects Against Injuries

There are a lot of things that can go wrong on a boat. Bass boat coverage can help protect you and others against potential injuries that occur from crashes and similar accidents.

This form of bass boat liability is essential if you fish on a busy lake. Just make sure you choose a policy that protects against bodily injury, like our personal watercraft insurance.

  1. It Protects Against Property Damage

Boats can cause a lot of property damage. Whether it’s to docks, buildings, or other boats, things can get expensive. One source found that boats cause nearly $70 million in property damage each year.

Bass boat insurance coverage can protect you against this damage in the event of an accident. If another boater damages your boat, then you’ll be covered for repairs or replacements.

  1. It May Be Required By a Marina or a Bank

Most states do not require you to have bass boat insurance. As of the time of this article, Arkansas and Utah are the only states that require you to have any type of boat insurance.

That being said, it’s not uncommon for many marinas to require you to have insurance for you to store your boat.

The same goes for banks when you take out a loan to get a bass boat. As such, insurance gives you more options for how you can pay for and store this type of fishing boat.

How to Find a Good Bass Boat Insurance Policy

The best way to find good bass boat insurance is to look for an independent company. These agents can work with multiple providers to find you the best policy and liability limit for your specific boat.

However, you should also make sure that you avoid these seven common mistakes that people make when selecting a policy.

Need Personal Watercraft Insurance? Contact Tom Needham Insurance Agency

We hope this guide helped you learn more about the importance of bass boat insurance coverage. As you can see, this type of insurance not only protects your boat but also you and others from potential injuries.

However, it’s important to remember that your insurance is only as good as your policy.

Here at Tom Needham Insurance Agency, we pride ourselves on offering the best specialized boat coverage at the best prices. However, don’t take our word for it. Contact us today and find out how we can help you with bass boat insurance coverage.

Learn more about Tom Needham Insurance Agency at