Boat Insurance
Property damage to boats has been increasing over the last few years. Many states now require boat insurance or boats to be insured. If you have a loan on your boat or keep your boat in a marina, you will probably also be required to have boat insurance or insure your boat. If you are not required to have boat insurance or insure your boat, it is important you still consider purchasing boat insurance.
Boat insurance works similar to your auto insurance. Boat insurance protects your boat in the same way your auto insurance protect you and your car. But, since boats are used differently than your car, and boats have many differences, you will want to make sure your boat insurance has all the coverages you need. And your boat insurance agent understands how you use your boat, what you carry onboard your boat whether your into fishing, or wakeboarding or any other watersports, as well as any discounts that you may qualify for to lower your premium.
Insurance coverages you may want for your boat:
- Liability
- Physical Damage
- Theft
- Medical Payments
- Motor Coverage
- Special Equipment
- Trailer Coverage
- Boat Covers
- Personal Effects
- Docking Fenders
- Communications Devices
Discounts you may be entitled to:
- New Boat
- Automatic Fire Extinguisher
- Burglar Alarm
- Ship-To-Shore Radio
- Approved Boating Education Course
Remember, since every boat is unique, your boat insurance may need to be as well. Please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts on your boat insurance.
