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Watercraft & Boat Insurance

Why Do You Need Insurance For Your Boat Or Personal Watercraft?

You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

01

Accident or Stolen

If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.

02

Injured

If you or any passengers are injured in an accident, medical costs can be extremely expensive.

03

Damage

If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.

04

Needs Protection

Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Boating Insurance Coverages

  • Liability Coverage - pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.

  • Collision Coverage - pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.

  • Comprehensive Coverage - covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.

  • Uninsured or Underinsured Boater Coverage - Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.

  • Medical Payments - Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.

  • On-Water Towing and Labor Coverage - This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.

  • Fishing Equipment Coverage - Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.

  • Personal Effects Coverage - pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.

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Things To Consider And Questions To Ask Your Agent

Here are the few things to discuss with your agent that will influence your decisions.

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?

  • Is my boat or watercraft covered for use year-round?

  • What discounts and programs are available?

  • coverage is enough? How much medical insurance and liability

  • in an emergency? Do I have coverage if I need to have my boat towed

  • What's the process for filing and settling a claim?

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Our Insurance Companies

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PROTECT TODAY. PREPARE FOR TOMORROW.

Turning Your Challenges into Solutions.

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