Enjoy the Water — Leave the Risk on Shore.
Whether you’re boating at Chatfield Reservoir, fishing at Cherry Creek, or exploring Colorado’s mountain lakes, your watercraft deserves full protection. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock boat owners secure comprehensive insurance that protects your vessel, passengers, and peace of mind — on and off the water.
Boating is freedom — but even calm waters can hide unexpected risks. Accidents, storms, theft, or liability claims can turn a relaxing day into a financial headache.
Watercraft insurance protects your investment against damage, loss, and liability so you can focus on what matters — enjoying the ride.
From personal watercraft (PWCs) like Jet Skis to luxury motorboats and pontoons, RMIA builds policies designed for how and where you actually boat in Colorado.
Colorado may be landlocked, but its many lakes and reservoirs make it a boater’s paradise — and with that comes unique challenges:
Storm & Hail Damage: Sudden Front Range storms can cause hull, canopy, or trailer damage.
Theft & Vandalism: Boats stored off-season or at marinas face increased theft risk.
Liability Accidents: Collisions or injuries on the water can lead to expensive claims.
Uninsured Boaters: Many boaters lack proper coverage — leaving you exposed if they’re at fault.
Trailering Risks: Boats are at risk of damage or liability incidents while being towed on highways.
A strong boat insurance policy includes a mix of physical damage, liability, and personal coverage:
Core Coverages:
Hull & Machinery (Physical Damage): Pays for repairs or replacement if your boat is damaged by collision, fire, theft, or storms.
Liability Coverage: Protects you if your boat causes property damage or injuries to others.
Medical Payments: Covers medical costs for you and your passengers after an accident.
Uninsured/Underinsured Boater: Covers injuries caused by another boater with insufficient coverage.
Trailer Coverage: Protects your boat trailer from theft or damage.
Optional Add-Ons:
Towing & Assistance: Covers on-water towing and emergency fuel delivery.
Fishing Equipment & Personal Effects: Covers rods, gear, or valuables on board.
Agreed Value Coverage: Ensures you receive the full insured value (not depreciated) in a total loss.
Fuel Spill Liability: Pays for cleanup costs in case of accidental spillage.
Storm-Haul-Out Coverage: Pays for professional hauling or storage ahead of an approaching storm.
We provide customized insurance solutions for nearly every kind of vessel, including:
Powerboats & Motorboats
Pontoon Boats
Sailboats
Jet Skis / Personal Watercraft (PWCs)
Fishing Boats
Cabin Cruisers
Trailers & Boat Equipment
While Castle Rock sits inland, residents often enjoy boating at Chatfield, Cherry Creek, and Boyd Lake, or traveling to Grand Lake and Dillon Reservoir.
RMIA understands Colorado’s unique insurance landscape — including seasonal storage, hail risks, and trailering coverage for boats frequently transported across the state.
Independent & Local: We represent multiple top-rated marine carriers to get you the best coverage and rates.
Comprehensive Protection: From inland lakes to cross-state towing, we cover your full boating lifestyle.
Personalized Advice: We’ll help determine agreed vs. actual value, deductibles, and liability limits based on your vessel type.
Fast Claims Support: If an incident happens, our team helps file and follow your claim from start to finish.
Usually not. Home policies may only cover small boats (under 25hp) or minimal personal property. For most vessels, you need a separate watercraft policy.
While not legally required, marinas, lenders, or HOAs often require proof of coverage. It’s strongly recommended for financial and liability protection.
Yes, optional towing coverage includes breakdown assistance, towing to shore, and emergency services like fuel delivery.
Yes. Comprehensive coverage protects your boat against theft, vandalism, or damage both on water and land — including while trailering.
Absolutely. We offer full coverage for personal watercraft (PWCs), including liability, physical damage, and passenger protection.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Enjoy every moment on the water — with protection that follows you from the dock to open water.
Let RMIA tailor the perfect watercraft insurance policy for your boat and budget.
