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Boat Insurance

Boat and Personal Watercraft Insurance gives you the piece of mind to enjoy setting sail. Your boat and personal watercraft may not be covered under your homeowner’s policy.

Comprehensive and Collision Insurance will pay for the cost of replacing or repairing your boat if it is damaged regardless of who is at fault. Collision coverage will protect you if you have an accident with another boat or an object. Comprehensive coverage will apply if your boat is damaged by an event other than a collision such as a theft, vandalism, fire, and flooding. Comprehensive coverage also includes the costs for the recovery and removal of your boat.

Bodily Injury and Property Damage Liability Insurance (BI/PD) will cover your legal liability in an accident. The insurance pays the costs to cover medical bills, wage loss and damage to people and property if you are found to be at fault in an accident.

Boat and Personal Watercraft Insurance will cover your boat and all the equipment that is permanently affixed to the boat. Make sure you read the policy to see what it covers.

Some extra coverages that may be added to your policy are: Towing Insurance coverage which protects you if your boat should cause damage to another boat while being towed. Fuel Spill Liability covers unintentional oil or fuel spills. Fishing Equipment Insurance will cover loss or damage to fishing equipment on board your boat or while it is being carried off or on board your boat.

Make sure you have enough insurance, skimping on insurance can cost you your boat if it is damaged beyond repair or stolen. Good insurance can provide you with coverage should the unforeseen happen.