Watercraft Insurance with Sargent Insurance Agency

Protecting Your Boats and Personal Watercraft in Little Rock, Arkansas

Watercraft Insurance

Protecting Your Boat, Jet Ski, or PWC in Little Rock, Arkansas, and Beyond

Boats and personal watercraft are valuable investments. For water enthusiasts, they are priceless. Although boat insurance may not always be required, protecting your vessel and crew is crucial.

You love spending time on the water, and we want to make sure you’re properly protected. As a trusted local agency led by a family, we’re here to help you find watercraft insurance that covers everything you value, from liability to your personal gear. This way, you can enjoy your time on the water with confidence.

Liability Protection: Pays for injuries, property damage, or legal costs if you or your guests cause an accident while boating.

Hull & Physical Damage Coverage: Covers repair or replacement after accidents, storms, vandalism, fire, or theft.

On-Water Towing & Assistance: Provides emergency help like towing, fuel delivery, or battery boosts while on the water.

Uninsured/Underinsured Boater Coverage: Protects you if hit by a vessel with insufficient insurance or in a hit-and-run incident.

Guest Medical Payments: Covers medical costs for guests injured aboard your watercraft, regardless of fault.

  • Personal Effects Coverage: Insures gear like electronics, life vests, and fishing equipment.
  • Agreed or Replacement Value: Choose a fixed payout or replacement coverage with no depreciation.
  • Fuel Spill & Wreck Removal: Pays for cleanup if your watercraft leaks or sinks.
  • Enhanced Emergency Assistance: Increases limits for towing and on-water support.

  • Multi-Policy Discount: Bundle with auto, home, or motorcycle insurance for savings.
  • Safety Course Discount: Save by completing an approved boating safety course.
  • Original Owner Credit: First-time owners of vessels may qualify for extra discounts.
  • Seasonal Lay-Up Savings: Reduce premiums when not using the boat year-round.

  • Request a Free Quote: Call or complete our online form. No pressure, no obligation.
  • Share Your Boating Details: Tell us about your boat, jet ski, or fishing vessel and how it’s used.
  • Customize & Confirm Coverage: Choose coverage and limits—we’ll handle setup with the carrier.
  • Enjoy the Water—We’ve Got Your Back: You’re protected with 24/7 support and local claims help.

Does my homeowner’s policy cover my boat?
Usually not. Boats with significant horsepower often need a separate policy to be covered properly.

What’s the difference between agreed and actual cash value?
Agreed value offers a fixed payout. Actual cash value deducts depreciation, resulting in less compensation.

Do I need towing coverage if I trailer my boat?
Yes. Roadside and waterway towing are different—towing coverage ensures you're protected wherever you are.

Protecting what matters most starts with a conversation

Whether you’re looking for new coverage, updating your current plan, or have a few questions, we’re here for you. No pressure. No hassle. Just honest, friendly advice from a team that’s always nearby.

Call us today or ask for a callback. We’re right down the road and ready to help.

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