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Find Boat Insurance Agents Near You in Winnetka, IL
Looking for a boat insurance agent in Winnetka? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Winnetka, IL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Illinois before hiring.
Showing 2 boat insurance agents in Winnetka, IL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Bo Dempsey - State Farm Insurance Agent
890 Green Bay Rd Ste 1, Winnetka, IL 60093
(847) 716-3078
dempsey3ins.com
Bob Wells - State Farm Insurance Agent
18 Green Bay Rd, Winnetka, IL 60093
(847) 441-7099
rtwells.com
Boat insurance agents in Winnetka, Illinois help owners protect their watercraft against damage, theft, and liability. Illinois law requires all motorized boats to carry liability insurance if operated on public waters, including Lake Michigan. Local agents can tailor policies to cover specific risks like winter storage on the North Shore or trailering to inland lakes.
What Does a Boat Insurance Agent in Winnetka Cost?
Typical boat insurance costs in Illinois range from 300 to 800 dollars per year for a small fishing boat, and from 800 to 2,500 dollars per year for a larger cruiser or yacht. Factors include boat value, horsepower, age, navigation area, and your claims history. Winnetka rates may be slightly higher due to Lake Michigan exposure. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does boat insurance cover in Winnetka Illinois?
Standard boat insurance covers physical damage to the hull and engine, liability for injuries or property damage you cause, and medical payments for passengers. Many policies also include coverage for towing, fuel spill liability, and uninsured boaters, which is important on busy Lake Michigan waterways.
Is boat insurance required by law in Illinois?
Yes, Illinois requires liability insurance for all motorized watercraft operated on public waters. The minimum liability limits are 20,000 dollars for bodily injury per person, 40,000 dollars per accident, and 15,000 dollars for property damage. Agents in Winnetka can help you meet these legal requirements.
How do I choose a boat insurance agent in Winnetka?
Look for an agent who specializes in marine insurance and has experience with Lake Michigan conditions. Ask about coverage for winter layup, hurricane haul-out, and navigational limits. A local agent can also advise on Illinois-specific issues like liability for rented boats or personal watercraft.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Illinois.