Boat Insurance
Boat and watercraft insurance covering powerboats, pontoons, fishing boats, and PWCs.
“We understand that boating is a lifestyle, and the time to find out what is and is not covered should never be after a claim.”
Boat and Watercraft Insurance in Des Moines and Clive, Iowa
Absolute Insurance Agency is an independent agency in Clive, Iowa that insures boats and personal watercraft across the Des Moines metro at a competitive rate. We cover powerboats, fishing boats, pontoon boats, and personal watercraft, so whether you fish, ski, or just relax on the water with family and friends, we help you protect the investment you have made in your boat.
What does boat insurance cover?
A boat policy protects you, your passengers, and your watercraft, and it can be customized to fit how you use it.
Because Absolute Insurance is independent, we compare companies to find the right policy for you and your boat, and some carriers add a disappearing deductible or small claim forgiveness.
What extra coverages can I add to a boat policy?
Select carriers Absolute works with offer valuable add-ons:
Agreed Value vs Actual Cash Value: which is better for a boat?
Agreed Value is the stronger coverage, and Absolute recommends it. When your boat is covered for full coverage, it is usually insured one of two ways.
Agreed Value fixes the gap that happens when your boat's value differs from what NADA and comparables show. If your policy is not written on Agreed Value, we recommend switching.
"We understand that boating is a lifestyle, and the time to find out what is and is not covered should never be after a claim."
Get a boat insurance quote
Have a boat or personal watercraft you would like to insure? Call Absolute Insurance at 515-279-2722, or email service@insaia.com. Our agents compare options across many carriers to protect your boat at a competitive price.
Frequently asked questions
Absolute Insurance covers powerboats, fishing boats, pontoon boats, and personal watercraft, and as an independent agency it compares carriers to fit how you use your boat.
Absolute recommends Agreed Value, because it pays the value you and the insurer agreed on, rather than a value the company decides later using NADA and comparables.
Yes, with the right add-on. Coverages like on-water towing and Sign and Glide pay for towing, fuel delivery, soft ungroundings, and jump starts if your boat breaks down on the water.
