Boat Insurance
Make sure you have the right boat insurance policy
Why Do You Need Boat Owners Insurance?
Boat insurance is the responsible thing that any boat owner should have. Not only is it the law, but it protects your boat, you as the owner, and any passengers aboard in the event of a loss.
Boat owner’s insurance also can include but is not limited to fishing boats, pontoon boats, yachts, and jet skis.
Boating Insurance Coverages
There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
This 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.
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.
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.
for damage the policyholder causes to someone else’s property.
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.
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.
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.
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Is this Insurance Right for You?
If you are looking to purchase a boat or watercraft, or already have something you want to get competitive rates on, please let us help you determine the correct coverage levels and explore your options. We can then give you the best rates for your needs and budget!