Is Boat Insurance Needed in Iowa

Although the boat is not legally mandated in Iowa, the peace of mind offered by having the coverage is well worth the expense. With interest in boating and other water recreational activities increasing at record rates, it has never been more important to ensure that you have adequate protection for yourself, your property, your passengers, and third parties. Boat insurance may not be required in Iowa, but you must complete a Boater’s Education Certificate if you plan to be operating any watercraft.

Obtaining your boating license is easy with three options available:

  • online course
  • classroom
  • home study

Once you have successfully passed the course, you can operate a boat without restriction; however, if you plan to allow anyone else to drive, they must also complete the educational course. Additionally, any person between the ages of 12 to 18 who wants to operate a boat over 10 horsepower must have an Iowa Watercraft Safety Certificate.

Boat insurance not only protects your boats from an accident you cause, but it also includes under and uninsured coverage, which means that if you are hit by another vessel without insurance, you won’t be on the hook for the totality of the damages. Given that Iowa does not require boats to have insurance, many vessels will be uninsured, making it even more important that you have the appropriate coverage. 

When it comes to shopping for boat insurance, let the team at Aussie Agencies in Knoxville, IA assist. Our friendly and professional staff of insurance experts will help you sort through your options and pick the perfect boat insurance for your needs, so give us a call today to schedule a no-obligation consultation.