Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Boat & Watercraft Insurance

Set Out on the Waters with Confidence

From the rivers to the lakes boaters make the most of every season. While some state laws don't require boat insurance, one mishap on the water can get expensive fast. Bowerman Insurance Agency helps you choose boat insurance that fits your craft, your crew, and where you launch, so weekends stay focused on fishing and family.

A white house with a porch and a chimney

From Pontoons to PWCs, We've Got You

We insure fishing boats, pontoons, ski and wake boats, sailboats, jet boats, and personal watercraft like Jet Skis and Wave Runners. Whether your on your way to the lake or keep a slip near the river, Bowerman Insurance Agency can match coverage to the way you use your watercraft.

Protect Your Vessel, Your Guests, and Your Wallet

Physical damage helps repair or replace your boat after collisions, storms, theft, or striking submerged objects. Liability covers injuries or property damage you cause on the water. Medical payments can help with passenger injuries. The uninsured coverage steps in if another boater lacks coverage. There are other options available for your watercraft too.

A white house with a porch and a chimney
A white house with a porch and a chimney

Coverage for Jet Skis and Wave Runners

PWCs are light, and accidents can happen quickly. Home policies usually offer little to no protection for motorized watercraft. A dedicated policy can cover liability, damage, and even your trailer and accessories, keeping rides near your favorite lake or out on the river enjoying your ride.

Where You Can Go, and How to Save

Policies define navigation areas (typically inland waters). If you haul to neighboring states, we'll confirm territory. Winter lay-up credits may apply during off-season storage. Bowerman Insurance Agency also looks for savings when you bundle eligible boat coverage with home or auto.

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Answers for Boaters

  • Is boat insurance required in ND?

    Not by law, but it's protection for your investment.


  • Does my homeowners policy cover my boat?

    Often only very small boats with low horsepower and low limits; most need a separate policy.

  • Can I insure my fishing gear and electronics?

    Many carriers allow scheduled equipment coverage-ask us to review limits.