Skip to content
Click to Call
Guardian Insurance

13520 Discovery Dr., Ste. 224
Omaha, NE 68137

Get Directions

Guardian Insurance Blog

Insurance Blog

Why should I carry boat insurance if it is not required by law?

Nebraska does not require boat owners to carry insurance, but that doesn’t mean it’s not a good idea. If you are still paying on your boat, your lender probably requires you to carry full coverage insurance. That is because your lender understands the risks involved in boat ownership and wants to protect itself in case something happens.

The Midwest is full of great places for boaters, but accidents happen no matter how careful you are. Guardian Insurance can help you figure out which insurance is right for your Omaha, NE boat.

Liability Boat Insurance

Liability boat insurance works basically the same way liability insurance works for automobiles. If you are found to be at fault in an accident, your policy will pay for the damages and medical bills of the injured party. Guest passenger liability protects your own passengers. You can decide how much coverage you need.

Additional Coverages

Comprehensive coverage protects you in the event of bad weather or criminal acts against your property. With on-water towing and roadside assistance, you can ensure that you will not be stranded. Your policy will pay to get your boat to an area where it can be repaired. While boat insurance usually does not cover boat trailers, fishing gear, and personal items, you can add coverage for those.

Learn About Your Policy

Combining policies can save you money. You may also qualify for a discount on your Omaha, NE boat insurance if you take a boating safety or skills class.

Make sure you understand the limits and exclusions. For instance, many insurance policies will not protect you if you are doing something that is considered reckless. If you have any questions or if you want to find out how affordable boat insurance can be, please call Guardian Insurance today.

Servicing These States

  • Nebraska
  • Iowa
  • South Dakota
  • Arizona
  • Florida
  • Kansas
  • Colorado
  • Missouri


  • AAA
  • Allstate
  • American Modern
  • Battle Creek
  • Clear Cover
  • Foremost
  • Grinnell Mutual
  • Hippo
  • Nationwide
  • Progressive
  • Safeco
  • Travelers