About Us
Your pontoon isn't a generic boat. Neither is your coverage.
Contractors Choice Agency built PontoonInsurance.com around a simple observation: pontoon owners boat differently than the offshore-fishing, performance-boating audience most boat insurance is written for. Seasonal use, inland lakes, and a boat full of family and friends are the norm, not the exception — so we built coverage around that reality instead of a flattened generic boat template.
Why pontoon-specific, not generic boat insurance
Most boat insurance shopping starts with a single generic form: boat length, engine horsepower, value. It rarely asks how many months a year you actually use the boat, whether you're on one lake or several, or how many people you typically carry — and those differences change what coverage actually fits, not just what it costs. A policy that ignores your real off-season isn't cheaper insurance, it's a missed savings opportunity every single year.
We built this agency's pontoon process around eight distinct coverage categories — liability, physical damage, seasonal lay-up, lake-type and navigation limits, towing and on-water assistance, personal property, guest and passenger liability, and a clear explanation of how pontoon coverage differs from general boat and marine insurance — each reasoned around how pontoon owners actually use the water.
What that looks like in practice
- Your quote starts with your boat and your lake, not a generic boat category.
- We ask about your real season length and structure lay-up dates to match it — often the single biggest lever on your annual premium.
- Navigational limits are set to where you actually boat, whether that's one lake, a few regular lakes, or connected water.
- Guest and passenger liability is sized to your real passenger load, not treated as an afterthought.
Licensed nationwide
Contractors Choice Agency is licensed to write pontoon and lake-boat insurance across the United States. Whether you're on a quiet single home lake or trailer between several regular spots each season, the same pontoon-first process applies.
8
Pontoon-Specific Coverages
50
States We Place In
Same-Day
Typical Quote Turnaround
1
Agency, Every Season
What we prioritize on every quote
- ✓Your real season and storage pattern asked first, not as an afterthought
- ✓Coverage combination reasoned from how you actually use your boat
- ✓Transparent about navigational-limit structuring rather than a generic assumption
- ✓One point of contact for coverage and questions, season after season
Get pontoon coverage built around how you boat
Tell us about your boat and your lake and we'll come back with a coverage combination priced to your real usage — not a flattened generic boat quote.