You need insurance for your boat or personal watercraft
You'll not only enjoy the water more, but you won't have to worry about the safety of your passengers or your investment.
When purchasing your personal watercraft or boat insurance, you should consider the following:
Things to consider about boat insurance and ask your agent
Consider the following as you prepare for a discussion with your agent concerning personal watercraft/ boat insurance:
If your boat or personal watercraft is damaged, stolen, or in an accident, how much can you afford to pay?
If I need to have my boat towed in the case of an emergency, do I have the proper coverage?
How's the customer service reputation for the insurance company? Is the company known for paying claims promptly and fairly?
Is my boat or personal watercraft covered for use year-round or seasonally?
Are there any discounts and/or programs are available to me?
As a boat owner, how much liability coverage & medical insurance is enough?
If I need to file or settle a claim, what's the process ?
Auto and home insurance policies may provide you with limited coverage for your boat or personal watercraft, but they don't deliver the same coverage as a boat insurance policy.
In the event of a potential accident, you may consider purchasing a personal watercraft policy. Personal watercraft policies typically cover:
- Bodily injury
- Property damage
- Guest passenger liability
- Medical payments
Liability limits start at $15,000 and can be increased to $300,000
A typical personal watercraft policy includes deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments. You can purchase additional coverage for trailers and other accessories as well.
Speak with your insurance representative about the type of coverage best suited for your needs.
BOAT & WATERCRAFT INSURANCE QUOTES.
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