Bodily injury liability

If you cause an accident and someone is injured, this watercraft insurance coverage can help pay their medical bills and loss of income.

Property damage liability

If you cause an accident, this personal watercraft insurance coverage helps pay for damages to another person’s watercraft or property. In addition, pollution liability coverage and wreckage removal are included.

Collision

Collision pays for damage to your watercraft, motor, trolling motor, trailer, and permanent and portable equipment if you’re in a covered accident with another watercraft or object.

Comprehensive

Also known as “other than collision,” this coverage can help pay for damage to your watercraft, motor, trolling motor, trailer, and permanent and portable equipment from losses other than collision. This includes damage from fire, theft, or storms.

Uninsured motorist

Helps protect you and your watercraft, motor, trolling motor, trailer, and permanent and portable equipment from an uninsured or hit-and-run boater.

Underinsured motorist

It helps protect you, your watercraft, and your equipment from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments

Medical payments can help cover medical bills if you or others are injured while operating or occupying your watercraft.

On-water boat towing and labor

It covers towing expenses and other emergency services if your watercraft becomes disabled on the water.

The most important reason for getting watercraft insurance is liability coverage. It protects you in case someone is injured or their property is damaged and pays for your legal fees, medical expenses, and repairs to their property.

You may also need your watercraft coverage from fire, accidents, and theft. All risk insurance covers anything that can happen to your boat except for circumstances expressly excluded in your policy, such as wear and tear and damage from freezing.

Add-ons are available so you can customize your insurance based on your needs.

Wherever you are, the boating season length is already considered when calculating your charge. Insurance providers know boaters often don't go out on the water year-round. Consequently, your premium, regardless of how long or short the time may be, is based on typical annual use for your location.

Also, remember that if you have boat insurance, your boat is protected, whether at the dock or in storage. Vandalism, theft, sinking, and weather damage are all covered by your policy and can occur at any time.

As a boater, you have specialized insurance needs. To help you choose a policy that makes the most sense, we can assist in outlining the various insurance options and respond to your questions about the different boat insurance coverage kinds they protect.