Your wake boat isn't a generic boat. Neither is your coverage.

Why wake-specific, not generic boat insurance

Most boat insurance shopping starts with a single generic form: boat length, engine horsepower, value. It rarely asks whether you have an aftermarket ballast system, a surf gate, or a premium tower audio package — and those details change what coverage actually fits, not just what it costs. A policy that ignores $10,000-$40,000 of tower and ballast equipment isn't cheaper insurance, it's a real gap waiting to surface at claim time.

We built this agency's wake boat process around nine distinct coverage categories — on-water liability, agreed value physical damage, tower & ballast equipment, engine & mechanical breakdown, seasonal lay-up, watersports gear, towing & on-water assistance, guest & passenger liability, and a clear explanation of how wakesurf, wakeboard, and ski boat insurance actually differ — each reasoned around how wake and surf boats are actually built and ridden.

What that looks like in practice

• Your quote starts with your boat and your equipment, not a generic boat category.
• We itemize your tower, ballast system, and surf gate so their real value is actually covered.
• We ask about your real season length and structure lay-up dates — including ballast winterization — to match it.
• Guest and passenger liability is sized to your real rider rotation, not treated as an afterthought.

Licensed nationwide

Contractors Choice Agency is licensed to write wake and surf 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 wake-first process applies.