Boat and Other Watercraft Insurance

Why do you need insurance for your boat or personal watercraft?

You’ll enjoy cruising on the water ever more when you’re not worried about the safety of yourself, your passengers or your boat or personal watercraft. Here are a few things to consider:

• If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive, especially if a water-skier is injured.
• If your watercraft is responsible for damage to another boat or injury to others, you may be sued for much more than you’re worth.
• Your watercraft also needs protection when it’s on land. When most boats are stolen, the motor and trailer are also lost.

Some coverages available to protect you and your boat or personal watercraft.  

• Liability Coverage
  This coverage helps to protect you from expenses related to injuries or property damage you or your watercraft cause in an accident.
• Medical Coverage
  This coverage provides for necessary medical expenses for you and your passengers that are the result of an accident. People who frequently carry a boat full of passengers often carry a higher amount.
• Physical Damage Coverage
  This typically pays to repair the damage done to your watercraft due to an accident. It also generally pays to repair or replace your watercraft for insured situations such as theft, fire, vandalism or other non-collision damages that occur in or out of the water.
• Personal Property Coverage
  This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft. This includes items like life jackets and water-skis.
• Emergency Assistance Coverage
  This pays for the cost of towing or emergency service

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