Boat Insurance

Do I Need Boat Insurance?

Boat insurance works to protect your vessel’s structure, equipment, passengers and cargo against damage or liability that may result from accidents, theft, vandalism, or natural disaster.

What Does a Boat Insurance Policy Cover?

As with any type of risk protection plan, boat owners should carefully consider their needs and available options before purchasing a policy. Generally speaking, a good boat insurance policy will cover the following:

  • Damage caused by fire, lightning, theft, collision with another vessel or object.
  • Losses resulting from explosions.
  • Damage to the vessel’s structure and equipment due to impacts of wind, watercrafts, falling objects, floods or earthquakes.
  • Liability for bodily injury or property damage that may arise out of accidents while the ship is in operation.
  • Losses sustained from accidents that occur while loading or unloading the boat. This includes loss of life sustain during the process of rescuing a person from the vessel.

What Options Should I Choose?

Making smart choices on which coverage options you need requires not just an understanding of your craft and its intended use, but also the ever-changing rules on watercraft operation. Our agents are well versed in boat insurance; contact us today for a free consultation.

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