Boat Insurance

Boat insurance is essential for protecting your investment and providing financial protection in case of accidents, theft, or damage. Whether you own a small fishing boat or a luxury yacht, having the right coverage is crucial.

What Does Boat Insurance Cover?

Boat insurance policies typically include:

• Liability coverage: Protects you from financial loss if you cause an accident that injures someone or damages their property.
• Hull insurance: Covers damage to your boat from accidents, storms, fire, theft, and other covered perils.
• Personal property coverage: Protects your boat's equipment, electronics, and personal belongings.
• Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
• Uninsured/underinsured boater coverage: Protects you if you're involved in an accident with a boater who doesn't have insurance or doesn't have enough coverage.

Additional Coverage Options

Depending on your boating activities and needs, you may consider additional coverage options such as:

• Watercraft liability: Covers damage caused by your watercraft to docks, seawalls, or other property.
• Jet ski coverage: Protects your jet ski or personal watercraft.
• Fishing equipment coverage: Covers damage or loss of fishing gear.
• Towing and assistance: Provides help in case of breakdowns or emergencies.

Factors Affecting Boat Insurance Costs

Several factors influence the cost of boat insurance, including:

• Boat type and value: Larger and more expensive boats typically have higher premiums.
• Boating experience: Your boating history can impact your rate.
• Location: Areas with higher boating accident rates may have higher premiums.
• Coverage limits: The amount of coverage you choose will affect your premium.
• Deductible: A higher deductible generally results in lower premiums.

Contact us today to get the right boat insurance coverage for your needs.