Boat Insurance

If you're a boat owner, you know that having insurance is a must. But what exactly does boat insurance cover? Don't worry, we'll give you a rundown of the basics of boat insurance so you can be sure you're properly protected.

We cover all kinds of watercraft

• Bass & Fishing Boats

• Pontoon Boats

• Power/Sport Boats

• Personal Watercraft

What Does Boat Insurance Cover?

Boat insurance typically covers three main areas: liability, physical damage, and medical payments.

Liability coverage protects you if you're sued for damages or injuries that you or your boat cause to another person. This can include things like property damage, bodily injury, and even pollution cleanup costs.

Physical damage coverage protects your boat against damage from things like accidents, weather events, and theft. This can include repairs to your hull, engine, and other parts of your boat.

Medical payments coverage can help pay for the medical expenses of anyone who is injured while on your boat. This can include things like ambulance fees, hospital stays, and even rehabilitation costs.

What are the limitations of boat insurance?

There are a few things that boat insurance doesn't cover. These can include things like normal wear and tear, mechanical breakdowns, and damage caused by poor maintenance. Additionally, most boat insurance policies will not cover boats that are used for business purposes.

Here are some other types of vessels that can't be added to a new or existing policy:

• Boats used as a primary residence

• Houseboats that do not have motors

• Boats with more than two owners

• Boats that do not meet published U.S. Coast Guard standards

Please feel free to contact us about other possible limitations.

Now that you know a little more about what's covered by boat insurance, you can be sure you're properly protected the next time you hit the open water. If you have any questions about a policy or what's covered, be sure to reach out to us. And as always, happy boating!