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Comprehensive Watercraft Insurance with 
Sargent Insurance Agency

Protecting Your Boats and Personal Watercraft in Little Rock, Arkansas
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Watercraft Insurance Provided By Our Agency

Boats and personal watercraft are significant investments, but for those who love being on the water, they're well worth it. Even if boat insurance isn't required, protecting your vessel and crew is crucial.

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Watercraft breakdown
Property Damage
Uninsured Watercraft
Bodily injury liability

Hurricane coverage

Risk Factors

The marina where you dock your cabin cruiser is in the path of an approaching hurricane — you want to get it out of the water and hauled to a safe location as soon as possible.


Watercraft insurance helps with the cost of professional haul-out when a hurricane or tropical storm threatens your boat.

Watercraft breakdown coverage

Risk Factors

Your motorboat stalls in the middle of the lake — and won’t restart. You’re not sure what went wrong, but you need help now.


Optional coverage may help with the cost of emergency labor where your boat is disabled or a tow to the nearest location where repairs can be made. It may also cover the cost of gas, oil, or a battery if needed.

Property damage coverage

Risk Factors

Your watercraft might collide with someone’s personal property and cause damage to the same.


If you cause an accident that damages another person’s property, liability coverage may help pay for expenses you incur as a result.

Uninsured watercraft coverage

Risk Factors

You may meet with an accident involving another watercraft that is not insured or has insufficient coverage for the loss caused by the accident.


The uninsured watercraft coverage on your boat insurance policy may help pay for the resulting expenses.

Bodily injury liability coverage

Risk Factors

The people sailing in a boat may face bodily injury, making the owner pay for their medical expenses.


Watercraft insurance may help prevent you from paying out of pocket for medical bills and other related costs like loss of income.

What is Watercraft Insurance?

Watercraft insurance covers boats, yachts, and personal watercraft with at least 25 horsepower motors. It offers protection against physical loss or damage, theft, and towing expenses. Depending on the policy, it may also include liability coverage for bodily injury to others, guest passengers operating the boat, and medical expenses for the owner and their family. Depending on your vessel's size and policy specifics, additional liability coverage might be necessary.

Types of Watercraft Insurance Coverage

Bodily Injury Liability
Covers medical expenses and missed wages in the event that you are the cause of an injury accident.

Property Damage Liability
Covers damages to another person's watercraft or property and includes pollution liability and wreckage removal.

Collision Coverage 
Pays for damages to your watercraft, motor, trailer, and equipment from a collision with another boat or object.

Comprehensive Coverage
Covers non-collision incidents such as fire, theft, and storm damage to your watercraft, motor, trailer, and equipment.

Uninsured Motorist Coverage
Protects against damages caused by an uninsured or hit-and-run boater.

Underinsured Motorist Coverage
Protects you and your equipment from drivers with insufficient insurance.

Medical Payments
Covers medical expenses if you or others are injured while operating or occupying your watercraft.

On-water Boat Towing and Labor
Covers towing and emergency services if your watercraft is disabled on the water.

The Importance of Watercraft Insurance

The primary purpose of watercraft insurance is to provide liability coverage, which safeguards you in case either someone is hurt, or their property is damaged. It covers legal fees, medical expenses, and repair costs. Additionally, watercraft insurance protects against fire, accidents, and theft. Comprehensive policies cover all risks except those specifically excluded, such as wear and tear or freezing damage.

Customizable add-ons are available to tailor your insurance to your specific needs.

Do I Need Watercraft Insurance During the Off-season?

Regardless of the boating season length in your area, insurance providers consider the typical annual use of your location when calculating premiums. This means your boat remains protected year-round, whether at the dock or in storage. Policies cover vandalism, theft, sinking, and weather damage, which can occur anytime.

Boaters have specialized insurance needs, and Sargent Insurance Agency can help you choose a policy that makes the most sense. We can outline various insurance options and answer any questions about the different types of boat insurance coverage.

Contact Sargent Insurance Agency

For more information or to get started on your quote, contact Sargent Insurance Agency at 7107 West 12th St. Suite 103 Little Rock, AR 72204, or visit our website. We'll ensure the process is simple and straightforward!

Already have Watercraft Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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