Physical Damage Coverage

You need protection that goes with your boat when you take it on the road and in the water. That’s why our insurance carrier's boat owner's insurance is designed to cover you for a wide range of hazards that can happen while boating, launching or hauling. In fact, our insurance carrier's policy covers your boat, motor and equipment up to your policy limit for just about any hazard that is not specifically excluded from your policy.

Coverage for Your Boat, Motor and Boat Equipment: This coverage provides protection for your boat, motor and boat equipment against theft, vandalism, windstorms, hail, lightning, fire and explosions. In addition, you and other authorized drivers of your boat will be protected if one of you accidentally hits a submerged object while driving.

Boat Equipment Coverage: With a boat insurance policy, your boating equipment is protected for a value of up to 10% of your boat coverage limit.

Watercraft Liability Coverage

Liability Coverage protects you in case you or a member of your household accidentally injures another person or damages another person’s property. For example, our insurance carrier's policy can cover you if you accidentally hit a swimmer, your boat collides with and damages another boat, or your boat damages a dock.

Injuries to Others Coverage: Provides protection if you or a member of your household accidentally injures another person or damages another person’s property while boating.

Property Damage Coverage: Provides you with coverage if you hit and damage a dock, or if your boat collides with and damages another boat.

Medical Payments coverage

If there’s an injury due to a boating accident, this coverage provides medical protection for you, passengers in your boat, water skiers behind your boat, members of your household and guest passengers, if you are struck by any boat while in the water.

Extended Coverage