What is Boat Insurance?
Boat insurance covers your personal watercraft and gives you peace of mind when you are on the water. Whether you are into fishing, skiing, tubing, or anything else, spending time on the water can be a lot of fun. As an independent agency, we have the flexibility to help with boats of all sizes and have the options to provide the specialized coverages to you need for your situation.
Types of Boats Covered
Bass Boats
Cabin Cruisers
Fishing Boats
Jet Boats
Jet Skis
Pontoons
Sailboats
Ski Boats
Waverunners
And More
Boat Insurance Coverages
Bodily Injury Liability: Covers injuries to others when you are at fault.
Property Damage Liability: Covers property damage to others when you are at fault.
Collision: Physical damage coverage for your watercraft. Covers damages that result from a collision with another boat or object.
Comprehensive: Physical damage coverage for your watercraft. Covers damages that result from something other than a collision.
Fishing Equipment: Covers your fishing gear against theft or disappearance.
Wreck Removal: Covers the cost of retrieving your sunken boat, where legally required.
On-Water Towing: Pays to have your boat ferried back to shore if it becomes disabled on the water.
Trailer: Covers damage to your boat trailer.
Medical Payments: Covers medical costs for guests that are injured on your boat.
Theft: Covers theft of your boat.
Uninsured / Underinsured Boaters: Covers you when another at-fault boater is underinsured.
Deluxe or Specialized Coverages: Depending on what you want to be covered, here are some very comprehensive coverages you can add:
- Total Loss Replacement: Replaces the insured’s boat with a brand new one of similar make and quality in the current year.
- Disappearing Deductibles: Reduces the deductible a certain amount at each claim-free renewal.
- Sign & Glide® coverage: Help comes to your customer if they’re stranded on the water and need fuel, a jump, or tow with no out-of-pocket costs.
- Propulsion Plus® coverage: Provides coverage for the lower units of outboard motors, and the upper and lower units of an inboard/outboard motors in the event of a mechanical breakdown, including those caused by wear and tear.
- Trailer Trip Interruption coverage: Pays for meals, transportation, and lodging if you have a trailer or tow vehicle breakdown or accident while towing your watercraft more than a certain number of miles from home.
- Replacement Cost Fishing Equipment and Personal Effects: Replacement cost for tackle, rods, and reels, as well as personal items including cameras, clothes, cell phones, etc.
- Wrecking Removal Coverage: Pays for any attempted raising, removal, or destruction of the wreckage.
- Fuel Spill Liability: Coverage for unintentional oil or fuel spills that result in bodily injury or property damage.
- Medical Payments: Extra coverage to ensure coverage for water skiers.
