Insurance Information

Boat & Watercraft Insurance

Leave your worries at the dock.

Boat insurance is for people who own a boat. The boat policy has multiple different coverages. Most commonly coverage falls into four different categories: Liability, Physical Damage, Medical Coverage and Uninsured Motorist Coverage.

Bodily Injury Liability and Property Damage Liability insurance provides coverage for damage caused to others if you’re at fault in a covered loss; whether you injure them and/or damage their property. This insurance can include the services of an attorney to defend you if sued.

Physical Damage provides damage to your covered boat if it has a covered loss. This coverage is not a requirement by the state but can be required if the boat is financed. There are two parts under most policies that you can purchase; Comprehensive and Collision.

Medical Coverage provides coverage for you and/or your passengers if you are in a covered loss in a covered boat. Medical Payments pay regardless of fault.

Uninsured/Underinsured boater coverage provides coverage in the event you are not at fault in a covered loss for injuries you and/or your passengers sustain in an accident and/or damage to your boat. Coverage will only apply in the event the other party doesn’t have insurance (uninsured) or your damages exceed their policy limits (underinsured). Uninsured / Underinsured Boater is an optional coverage in most states and only certain states offer the Uninsured Boater Property Damage Coverage.

*There are many other coverages that may be available with some carriers but these are the industry standard coverages.

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