About LOZ Insurance
Specialty insurance for Lake of the Ozarks boats, lake homes, and watercraft. A division of Contractors Choice Agency — licensed in all 50 states since 2005.
Our Story
LOZ Insurance was built on a simple observation: the Lake of the Ozarks has some of the most unique insurance needs in Missouri — and most insurance agents aren't equipped to address them properly. Standard carriers and generalist agents treat boats, lake homes, and watercraft as afterthoughts. Specialty coverage requires specialty expertise.
Contractors Choice Agency was founded in 2005 with a focus on specialty insurance markets — the kinds of risks that standard carriers either decline or cover poorly. Over the past 20 years, we've built deep relationships with the nation's leading specialty marine, waterfront, and vacation property insurance carriers. Those relationships give our clients access to coverage that simply isn't available through a typical insurance agency.
Lake of the Ozarks became a natural focus for our specialty insurance expertise. With over 1,150 miles of shoreline, 54,000 acres of water, and hundreds of thousands of visitors each summer, the Lake of the Ozarks creates insurance needs across a wide range of categories: boat and personal watercraft coverage, waterfront home and vacation property insurance, dock and boathouse coverage, short-term rental liability, and boat trailer coverage for the millions of miles driven each year transporting boats to and from the lake.
LOZ Insurance brings all of those specialty coverages together under one roof, with agents who understand the specific geography, regulations, and risk profile of Lake of the Ozarks. We're not a call center — we're agents who know the lake, know the carriers, and know how to structure coverage that actually protects you when something goes wrong.
The Lake of the Ozarks Difference
Lake of the Ozarks isn't just a lake — it's a lifestyle. With 1,150 miles of shoreline winding through Camden, Miller, and Morgan counties in Missouri, it offers more usable water than the entire California coastline. The lake draws visitors from across Missouri, Illinois, Kansas, Nebraska, and beyond.
This unique geography creates insurance challenges that generalist carriers and agents simply don't encounter in their normal practice. Party Cove traffic, Army Corps dock regulations, seasonal vacation rental booms, waterfront property liability, and the specific storm patterns of central Missouri all factor into properly underwriting Lake of the Ozarks risks.
We focus on Lake of the Ozarks because it's a market that deserves specialty attention — and where having the right coverage versus the wrong coverage genuinely matters when a claim occurs.
Our Approach
Four principles that guide how we serve Lake of the Ozarks clients.
Specialty Markets Access
We maintain relationships with specialty marine and waterfront insurance carriers that standard agents simply don't have access to. These carriers understand lake and waterfront risks in ways that generic insurers never will.
Client Advocacy
We work for you, not the insurance company. When you have a claim, we advocate on your behalf to ensure you receive the coverage you paid for. We navigate the claims process alongside you from first report to final payment.
Speed & Responsiveness
Lake season moves fast. When you need to close on a lake house, get a boat insured for the weekend, or file a claim after a storm, we respond quickly. You won't wait days for a callback from LOZ Insurance.
Trusted Relationships
We build long-term client relationships based on honest advice and reliable service. Many of our Lake of the Ozarks clients have been with us for years — and they send us their friends and family because we treat people right.
A Division of Contractors Choice Agency
Founded 2005 • Licensed in All 50 States
LOZ Insurance operates as a specialty division of Contractors Choice Agency, a full-service independent insurance agency founded in 2005. Contractors Choice Agency was built on the premise that specialty risks deserve specialty coverage — and that principle extends to our Lake of the Ozarks focus.
As an independent agency, we are not captive to any single insurance company. We represent multiple specialty carriers, which gives us the ability to shop the market on your behalf and find the coverage that genuinely fits your situation — not just the product one company happens to sell.
Contractors Choice Agency is licensed in all 50 states, so whether you're a Missouri resident, an out-of-state Lake of the Ozarks property owner, or a boater who splits time between multiple states, we can provide the coverage and service you need.
Ready to Work With Lake of the Ozarks Specialists?
Get a free quote on boat, lake home, watercraft, or vacation rental insurance. We'll find the right specialty coverage for your needs.