Protect Your Adventures on the Water
Boat Insurance
Louisiana is one of the top boating states in America with more registered boats per capita than almost any state. Whether you own a bass boat, pontoon, or jet ski, The Root Agency provides comprehensive watercraft coverage including hurricane protection.
What is Boat Insurance?
Boat insurance is a specialized policy designed to protect your watercraft from various risks including accidents, theft, damage, and liability. Just like auto insurance for your car, boat insurance provides financial coverage for repairs, medical expenses, and legal liability related to boating incidents. In Louisiana, where waterways are a way of life, proper boat insurance ensures you can enjoy the water with peace of mind.
Coverage Options
Learn More About Your Coverage
Hull Coverage
Covers physical damage to your boat from collisions, storms, fire, theft, and vandalism. Includes the hull, motor, and permanently attached equipment.
Liability Coverage
Protects you if you cause injury to others or damage to their property while operating your boat.
Medical Payments
Covers medical expenses for you and your passengers if injured in a boating accident.
Uninsured Boater Coverage
Protects you if you're in an accident with another boater who has no insurance.
Towing & Assistance
Covers the cost of on-water towing if your boat breaks down, runs aground, or runs out of fuel.
Hurricane/Storm Coverage
Critical in Louisiana — covers damage from hurricanes, tropical storms, and severe weather events. Includes haul-out costs.
Why The Root Agency
Why Choose Us for Boat Insurance?
Louisiana's waterways are part of our culture — and The Root Agency understands the unique risks Louisiana boaters face. From hurricane season to busy weekend waterways, we tailor coverage to your specific boat type, usage, and storage situation. With Allstate's comprehensive options and Steve Root's local expertise, you'll enjoy the water knowing you're fully protected.
- Bundle with Home or Auto: Add boat insurance to your existing Allstate policies for multi-policy discounts.
- Hurricane Season Prep: Make sure your policy covers hurricane damage and includes haul-out costs for storm evacuation.
- Document Your Vessel: Keep records of your boat's value, upgrades, and equipment for accurate coverage and faster claims.
- Consider Agreed Value: An agreed value policy pays a predetermined amount if your boat is totaled, rather than depreciated value.
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Common Boat Insurance Questions
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Get a personalized boat insurance quote from Baton Rouge's top-rated Allstate agency.