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Boat insurance

Your current homeowners or renters insurance policy only provides limited coverage for property damage, and liability coverage for small boats such as canoes and small sailboats or small power boats with less than 25 per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,500. Check with your insurance representative to find out if your boat is covered and what the limits are.

For other boats, you will need to purchase separate insurance. The size, type, value of the craft and the water in which you use it factor into how much you will pay for insurance coverage. Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits.

Boatowners Policy

You may want to consider purchasing a personal watercraft policy to protect you and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • Bodily injury
  • Property damage
  • Guest passenger liability
  • Medical payments
  • Theft

Liability limits start at $25,000 and can be increased to $500,000. Typical policies include deductibles of $500 for property damage, theft, and for medical payments.

Additional coverage can also be purchased for trailers and other accessories. Please contact us about the type of coverage that would best suit your needs.

Insurance coverages to consider:

  • Liability for Bodily Injury
  • Physical Damage
  • Theft
  • Fuel Spill Liability
  • Medical Payments
  • Motor Coverage
  • Trailer Coverage
  • Uninsured Watercraft
  • Emergency Services including Towing

Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.

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