Boats are great, having a boat accident isn’t so great, but with the right agent and insurance company a boat accident doesn’t have to sink you.
Boat Insurance & Personal Watercraft Insurance Coverages
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Watercraft Physical Damage
Direct, sudden, and accidental coverage for your watercraft.
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Personal Liability
Provides coverage for bodily injury and property damage sustained by others for which you are legally responsible.
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Uninsured Watercraft
Provides coverage for compensatory damages for bodily injury that the insured is legally entitled to recover from the owner or operator of an uninsured watercraft. This coverage is subject to the policy Limit of Liability, exclusions and policy provisions. loss on your automobile, we will put $50 a day back in your pocket for up to 30 days.
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Medical Payments.
Pays the necessary and reasonable medical expenses incurred or medically determined within one year from the date of an accident causing bodily injury to any person while in, upon, boarding or leaving the watercraft. If this and other insurance apply to a loss, this insurance is primary.
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Towing And Roadside Assistance
If the watercraft is disabled while afloat or away from safe harbor or the trailer is disabled, we will pay for:
- The cost of emergency labor performed at the site of disablement; or
- Towing to the nearest place where needed repairs can be made; or
- Delivery of gas, oil or battery; however, unless an Elite Package is purchased we do not pay for the cost of the items.
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Trailer
Coverage for trailers equipped to transport your boat safely.
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Personal Property
Includes wearing apparel, sports equipment, fishing equipment and other personal property owned by any of the insured or their guests while on board or being carried on or off the watercraft. If this and other insurance apply to a loss, this insurance is primary.
