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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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Coverage for Minnesota Boat Insurance You May Not Know About

When you have a boat in Minnesota, you are not required to carry insurance on it unless your lender requires it. However, you might still want to have insurance coverage on it to protect you from the wide range of financial risks and liabilities you could have on the water.

At Deluxe Insurance Group, we want Blaine, MN boat owners to be able to have fun with their vessels without worrying about those liabilities. We can get you covered. There are a number of different options available for your boat insurance policy that you may not even know about.

Learn more about them here, and get your policy updated today.

Standard Coverage

The standard coverage for boats is liability coverage, which will cover you when you are in a collision and you are at fault. Liability coverage can also cover you if someone has an accident on your boat, or they are injured on your boat during an incident for which you are at fault.

You may also get some personal property protection coverage for your boat. Liability coverage will cover another party in the event of a collision, this coverage will cover yours.

Liability coverage could also cover you for spills and cleanup costs. If you spill fuel or oil into water, you may be fined for cleanup costs that can be covered by insurance.

Agreed value coverage is something you should discuss with your insurance broker. You may choose between the actual cash value and the agreed value. Actual cash value will refer to the cash value you could get for your boat that will reflect depreciation. The agreed value will be covered for a value for your boat that you and your insurance agent will agree on.

Emergency Towing

Emergency towing coverage will provide tows for your boat when you are stranded on the waters and need to be towed to shore. 

Broad Navigation Limits

This coverage allows you to go outside of the standard navigation limits of your current location. Your vessel is typically confined to a specific geographic area. If something happens and you are outside of that limit, this coverage will cover you from that risk.

Get a Quote

When you have a boat, you want to have the coverage you need for every possible risk. At Deluxe Insurance Group, we help Blaine, MN residents get the best coverage possible for their needs so that they can enjoy the water without the worry of risk. Call us for a quote today.

Partner Carriers


  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland