Tracker insurance,
through NBOA.

What makes Tracker different. The original factory package.

Tracker Marine was founded in 1978 in Springfield, Missouri by Johnny Morris — the same Bass Pro Shops founder who reshaped how Americans buy outdoor gear. Tracker's original idea, and still its defining one, was selling a bass boat the way you buy a car: hull, motor, and trailer rigged at the factory, priced as a single package, sold through one dealer under one warranty.

Forty-plus years later Tracker is the best-selling fishing-boat brand in the world, with lineups covering bass tournaments (Pro Team, Heritage), multi-species walleye and crappie fishing (Targa), and utility jon boats (Grizzly). The boats skew mid-market on price but run long on durability — the all-welded aluminum hulls that Tracker has championed since the 1990s regularly log 20+ seasons before the first serious repair.

All-welded aluminum, not riveted.

Most of Tracker's lineup — every Pro Team, Targa, and Heritage model, plus the heavier Grizzly jon boats — is built with all-welded aluminum hulls. That's a meaningful distinction from riveted competitors: welded seams don't loosen, don't leak after a decade of trailering, and don't open up when the boat takes a hard hit against a stump or a loading ramp. It's a key reason underwriters see Tracker first-party claim frequency running lower than comparable riveted aluminum.

• All-welded hulls across Pro Team, Targa, Heritage, and larger Grizzly models — riveted construction is reserved for the entry-level utility boats
• Factory-rigged packages — boat, Mercury outboard, and matched trailer ship together with one hull ID, one NVPT weight, and one documented package value
• Bass-specific features integrated at the factory — livewells, rod lockers, trolling-motor wiring, and console layouts aren't aftermarket adds the policy has to chase
• Powder-coated aluminum trailers from the same factory — matched to the hull weight and axle-rated for the rigged package, which simplifies trailer coverage underwriting

Serious freshwater fishermen.

Tracker owners are fishermen first, boaters second. The typical owner runs inland lakes and rivers — Ozarks, Great Lakes tributaries, TVA impoundments, Texas reservoirs — and puts the boat on a trailer after nearly every trip. Tournament anglers are a meaningful slice: the Pro Team and Heritage lines are fixture boats on BASS and MLF circuits, and those rigs get loaded up with electronics, trolling motors, and livewell gear that often exceeds the hull's base value. Owners keep boats a long time and know them intimately — which shows up in clean claim histories.

The insurance angle. Where the package shapes the policy.

Three things about Tracker ownership specifically shape how we place coverage: the factory-rigged package simplifies valuation but demands trailer coverage that many standard policies exclude by default, the tournament-rigged electronics stack routinely runs $5–15K above hull value on premium bass boats, and the all-welded aluminum hull earns underwriter favor for durability even as elevated fire/theft risks at boat ramps and lakeside storage remain real.

• Trailer coverage is a must-have, not an add-on — Tracker boats live on trailers. Many standard marine policies cover the boat in the water and exclude the trailer in transit or parked; we place policies that cover the trailer on the road, at the ramp, and in storage (typically 5–15% of rigged package value).
• Agreed-value on rigged bass boats — a Pro Team 195 TXW with a Lowrance/Garmin electronics stack, Minn Kota Ultrex trolling motor, and Power-Pole anchors can carry $10–20K in rigged gear over the hull MSRP. ACV settles that at prorated depreciation; agreed-value settles at the number you and the carrier sign off on at bind.
• Factory-package simplification — because Tracker ships one VIN/HIN, one motor serial, and one trailer VIN as a matched unit, most carriers will write the entire package on a single policy at one package value. That avoids the common piecemeal problem (boat covered, motor under warranty only, trailer on auto) that leaves real gaps.
• Electronics and trolling-motor scheduling — high-end units (Humminbird Mega Live, Garmin LiveScope, Minn Kota Ultrex with i-Pilot) are magnets for theft at ramps and overnight storage. Carriers vary widely on whether these are covered at full value, depreciated, or require a scheduled-equipment rider. Worth confirming at bind.
• Claim patterns — common Tracker claims skew toward trailer incidents (blown tires, ramp drops, highway collisions while towing), electronics theft at unattended ramps and lakeside cabins, and fire losses tied to gas tank/bench-seat geometry. Total-hull losses are rare — welded aluminum takes a beating and keeps floating.
• Carriers — Tracker is a strong appetite for Progressive (market leader in bass-boat insurance), Foremost, BoatUS, GEICO Marine, and Nationwide. Each handles trailer coverage and electronics scheduling differently; the right fit depends on your rigged-gear value and trailering footprint.

This is where an expert at NBOA can step in. As an independent marine insurance brokerage, NBOA quotes Tracker owners across multiple carriers and matches the policy to how the boat is built, where it runs, and how you actually use it.

Tracker models we quote.

Beyond the top brands.

NBOA places insurance on 1,100+ boat manufacturers across our catalog — from aluminum skiffs to mega-yachts. If your boat isn't listed here, it's almost certainly one we still write.