Boat Insurance
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Why Do I Need Boat Insurance?
Boat insurance protects you financially if involved in an accident, typically covering damages and injuries for you, and in some cases, others.
What Else Should I Know About Boat Insurance?
Policies vary from person to person depending on boat age, whether the boat is paid for in full or not, personal preference, the primary driver of the boat, where and how often the boat is driven or stored, and the state’s requirements. Our expert team will carefully review all the above factors and help you develop an insurance plan with the appropriate carrier to help you meet your needs with the best possible coverage and the lowest price.
Here’s a quick overview of different types of coverage within various boat insurance policies:
Bodily Injury Liability: This pays the medical and other expenses of those people injured, or even killed, in accidents you cause.
Property Damage Liability: This covers the damage your boat causes to property. Usually, that’s the other boat — or boats — involved in the accident, but it also covers damage you do to any object you hit. Examples include garages, buildings, lamp posts, fences, etc.
Collision: This is for damage done to your car when it collides with other boats or other objects.
Comprehensive: This covers damage to your car that results from something other than a collision with another boat.
Medical Payments: It pays medical, and even funeral expenses, for you and members of your family and passengers in your boat if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a boat.
Interested in learning more? Contact us today!