Boat insurance

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Why do you need Insurance for your boat?

You'll enjoy the water, even more, when you're not worried about the safety of yourself, your passengers or your investment.

 

Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.

  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent

Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?

  • Is my boat or watercraft covered for use year-round?

  • What discounts and programs are available?

  • How much medical insurance and liability coverage is enough?

  • Do I have coverage if I need to have my boat towed in an emergency?

  • What's the process for filing and settling a claim?

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

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