Boat Insurance in Pulaski County, KY — Coverage for Lake Cumberland and Beyond
Whether you're docking at Lake Cumberland, fishing Kentucky’s waterways, or spending summer weekends on the water with family, your boat deserves reliable, year-round protection.
At Stewart & Tucker Insurance, we provide affordable, personalized boat insurance for boaters in Pulaski County, Somerset, and across Kentucky — so you can enjoy the water without worrying about unexpected risks.
What Should Your Boat Insurance Cover?
Every Kentucky boat owner should consider the following core protections to stay safe on the water:
Liability Coverage
Covers injuries or property damage you cause while operating your boat — often required by marinas and docking facilities.
Physical Damage Coverage
Protects your boat, motor, trailer, and equipment from collisions, vandalism, storms, or accidental damage.
Uninsured Boater Coverage
Covers injuries to you or your passengers if you're struck by an uninsured or underinsured boater.
Medical Payments Coverage
Helps pay medical expenses after a boating accident, no matter who was at fault.
Towing & Assistance
Provides help if your boat becomes disabled — including towing, jumpstarts, or emergency fuel delivery.
Personal Effects & Equipment Coverage
Protects fishing gear, electronics, coolers, water sports equipment, and other personal items on board.
Add-Ons That Matter for Kentucky Waters
Customize your boat insurance with optional protections that offer extra peace of mind:
Agreed Value Coverage
Locks in your boat’s value so you avoid depreciation at claim time.
Hurricane & Storm Protection
Important for Kentucky boaters facing strong wind, hail, and severe storms.
Wreck Removal
Covers cleanup and legal requirements if your boat sinks and needs to be removed.
Why It Matters
Why Boat Insurance Matters in Kentucky
Kentucky’s lakes and rivers are ideal for boating — but even a perfect day on the water can take a costly turn without the right coverage. Damaged docks, injured passengers, stolen equipment, sinking incidents, and storm damage are all common risks.
Whether you're on Lake Cumberland, Laurel River Lake, or any waterway statewide, the right policy protects your investment and shields you from unexpected financial loss.
As your local independent agents, we help you choose the right coverage for your boat, your lifestyle, and your budget — never more than you need, and never less.
Frequently Asked Questions About Boat Insurance in Kentucky
Is boat insurance required in Kentucky?
No, Kentucky doesn’t legally require boat insurance — but most marinas, financing companies, and storage facilities require liability and physical damage coverage.
Will my homeowners policy cover my boat?
Most homeowners policies do not cover boats beyond very small, low-horsepower watercraft. A dedicated boat insurance policy is recommended for full protection.
What types of boats do you insure?
We cover pontoons, fishing boats, ski boats, cabin cruisers, jet skis, personal watercraft (PWC), and more.
Do I need boat insurance year-round?
Yes. Risks like theft, storm damage, and liability claims exist even while your boat is in storage.
Can I bundle boat insurance with home or auto?
Absolutely — bundling often provides better rates and simplifies your insurance.
Set Sail with Confidence
From Lake Cumberland to waterways across Pulaski County and throughout Kentucky, we help you protect your time on the water with flexible, affordable boat insurance. Let’s secure the right coverage — so you’re never caught off guard.