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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 coverages:
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Physical Damage (Comprehensive and Collision)
Covers physical loss or damage for the watercraft including permanent equipment
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Liability
Pays for damages to another person and/or property for which you are legally liable as a result of an accident.
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Medical Payments
Provides coverage for injuries to the insured and other passengers.
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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 for boats less than 10 years old)
Discounts are available as follows:
- Saftey Course
- Multi-Boat
- Multi-Policy
- Diesel Fuel
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