Boatowners insurance provides protection for you against a financial loss caused by owning or operating a boat or personal watercraft. Boatowners insurance is a package policy, which includes damage to your property and liability for injuries or property damage caused to other people.

Boat insurance consists of the following standard coverage parts:

Physical Damage (Comprehensive and Collision)

Covers physical loss or damage for the watercraft including permanent equipment

Liability

Pays for damages to another person and/or property for which you are legally liable as a result of an accident.

Medical Payments

Provides coverage for injuries to the insured and other passengers.

Uninsured/Underinsured Boaters Coverage

Pays damages due by law to you from the owner or operator of an uninsured/underinsured watercraft because of bodily injury suffered by you.

The following policy enhancements are available from most companies:

• Replacement Cost (available for new boats)
• Agreed Value

Available Discounts:

• Safety Course
• Multi-Boat
• Multi-Policy