The top-rated boat insurance agent in Lafayette, Colorado is Inszone Insurance Services, rated 4.9 stars across 525 reviews. Other highly rated options include Shawn Hughes - State Farm Insurance Agent, Jim Plane - State Farm Insurance Agent, The Woods Insurance Group: Allstate Insurance. This directory lists 12 boat insurance agents serving Lafayette.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Inszone Insurance Services | 806 S Public Rd #102 | (303) 660-0470 |
| 2 | Shawn Hughes - State Farm Insurance Agent | 2676 Northpark Dr STE 100 | (303) 665-4600 |
| 3 | Jim Plane - State Farm Insurance Agent | 1319 W Baseline Rd #201b | (720) 890-5916 |
| 4 | The Woods Insurance Group: Allstate Insurance | 100 E Chester St | (303) 443-9988 |
| 5 | Shelter Insurance - Jo Peters | 808 S Public Rd # 203 | (303) 666-0828 |
| 6 | Rocky Mountain Insurance Center | 1361 Forest Park Cir #105 | (720) 335-6872 |
| 7 | Farmers Insurance - Daniel Coons | 1225 Cimarron Dr Unit 201 | (303) 665-2752 |
| 8 | Mary Stauffer American Family Insurance | 588 US-287 #206 | (303) 542-0323 |
| 9 | Monark Insurance | 100 S Public Rd Ste A | (303) 997-6255 |
| 10 | Prosper Insurance Company Lafayette | 325 Crossing Dr | (720) 868-9236 |
Inszone Insurance Services serves boat owners in Lafayette and surrounding Boulder County, offering comprehensive coverage for watercraft in the region. This agency specializes in protecting recreational boats, fishing vessels, and personal watercraft from typical risks like collision, theft, and liability on local lakes and reservoirs. Policyholders benefit from tailored plans that address specific needs on Colorado waterways. The agency handles hull insurance and liability coverage for both small runabouts and larger cabin cruisers.
Shawn Hughes - State Farm Insurance Agent in Lafayette, CO offers a full range of boat insurance services, including tailored policies for various watercraft. The agency provides comprehensive coverage options and ongoing policy reviews to help maintain robust protection for clients. Additional service plans focus on liability, physical damage, and uninsured boater coverage. This agent supports local property owners, servicing single-family homes, apartments, retail, and restaurants throughout the area.
Jim Plane, the local State Farm Insurance agent in Lafayette, Colorado, serves homeowners, renters, and small business owners. The agency provides boat insurance coverage designed to protect watercraft against risks common to area lakes and reservoirs. Policies typically include liability protection and physical damage coverage for collisions or weather events. Agent Jim Plane works with clients to tailor plans that fit individual needs, such as coverage for fishing boats or personal watercraft. The company also serves boat owners in the greater Boulder area and nearby communities along the Front Range.
The Woods Insurance Group: Allstate Insurance provides boat insurance to clients in Lafayette and the surrounding communities of Boulder County. The agency handles coverage for a range of watercraft, including fishing boats, pontoons, and personal watercraft. It works with homeowners to bundle policies and often reviews navigable areas such as nearby lakes or the Boulder Creek corridor. To begin a typical job, the agent evaluates the customer’s specific vessel and usage patterns to match coverage limits with local risk factors.
An agent might help with a one-time policy purchase for a new boat or offer recurring annual updates to coverage. Regardless of the choice, the policy is designed to protect against common risks such as damage from storms, theft, and liability for accidents on the water. Serving Lafayette, Colorado, Shelter Insurance - Jo Peters provides boat insurance that can be tailored to fit different types of watercraft. Service is available on an as-needed or scheduled basis for reviewing coverage options or making policy changes.
Rocky Mountain Insurance Center in Lafayette, CO offers specialized boat insurance agent services for owners of various watercraft. It works closely with clients to assess their specific coverage needs, including options for liability and physical damage protection. The agency navigates the unique risks associated with Colorado’s waterways and high-altitude lakes. It helps boaters address the seasonal concern of properly insuring vessels during winter storage or periods of non-use to ensure complete protection year-round.
As spring rains fill Lafayette’s reservoirs and boat owners prepare their vessels for the water, Farmers Insurance - Daniel Coons provides tailored boat insurance agent services to protect those investments. They evaluate local hazards like sudden mountain storms and fluctuating water levels, then customize policies to cover liability and physical damage. A thorough inspection of each boat’s hull, engine, and safety gear is the first step they take before finalizing any coverage agreement.
Mary Stauffer American Family Insurance in Lafayette, CO provides residential boat insurance services designed for personal watercraft owners in the area. Commercial boat coverage is also available for local businesses operating vessels. The agency serves clients throughout Lafayette and the surrounding Boulder County region. Policy details are customized to fit different types of boats and usage patterns. After the initial policy setup, the agent follows up with clients to review coverage needs and offer adjustments before the next regular boating season begins.
Monark Insurance assists boat owners in securing appropriate coverage for vessels used on Colorado waterways. Its specialty add-ons include protections for marine accessories, trailer transport, and pollution liability. The agency helps tailor policies for varying boat sizes, from personal jet skis to larger cabin cruisers making seasonal trips to nearby lakes. Commercial sectors it can serve include marinas, boat repair offices, lakeside storage warehouses, and on-water food service operations.
Prosper Insurance Company Lafayette is a boat insurance agent serving owners in Lafayette, Colorado, and the surrounding region. It provides coverage for a range of watercraft, helping clients protect their investments against common risks on local lakes and reservoirs. Policies typically include liability protection, physical damage coverage, and options for towing or wreckage removal. A specialty service this firm can add on is agreed value coverage, which sets a fixed payout amount for a total loss.
What Does a a Boat Insurance Agent in Lafayette Cost?
The cost of boat insurance in Colorado typically ranges from 200 to 600 dollars per year for a basic policy on a small boat. Larger vessels or high-performance watercraft can cost 800 to 1500 dollars or more annually. Factors like boat value, horsepower, storage location, and your driving record affect the premium. This is general information and not insurance advice.
About boat insurance agents in Lafayette
Lafayette Colorado boat owners can work with a local insurance agent to protect their watercraft from damage and liability. Colorado law requires liability insurance for motorized boats operated on public waters. An agent familiar with local lakes and reservoirs can help you find the right policy for your needs.
Frequently Asked Questions
What types of boat insurance are available in Lafayette Colorado?
Common coverages include liability for bodily injury and property damage, physical damage to your boat, and uninsured boater protection. Many policies also cover towing and emergency assistance on the water.
Is boat insurance required by law in Colorado?
Colorado law requires liability insurance for motorized watercraft operated on public waters. The minimum liability limits are 25 thousand dollars for bodily injury per person, 50 thousand dollars per accident, and 15 thousand dollars for property damage.
Does a boat insurance agent in Lafayette cover personal watercraft like jet skis?
Yes, most boat insurance agents in Lafayette can write policies for personal watercraft such as jet skis and wave runners. These vehicles are considered motorized watercraft and require liability coverage under Colorado law.
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