Boat and Personal Watercraft Insurance Coverages

A boat owner's or personal watercraft policy can insure you against most risks of owning and operating your boat, its motor and its trailer.

• Sinking
• Fire
• Storms
• Theft
• Capsizing
• Stranding
• Collision
• Explosion

LIABILITY COVERAGE

Watercraft liability coverage provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.

MEDICAL PAYMENTS

Watercraft medical payments coverage pays medical expenses up to the limits in the policy for you, your resident relatives and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.

COMPREHENSIVE AND COLLISION COVERAGE

Comprehensive and Collision coverages pay for the cost to repair or replace your boat if it is stolen or damaged in a covered loss, regardless of who is at fault. You share in this cost by paying a deductible.

With Collision coverage, your insurance company pays for damage to your boat when you collide with another boat or object. If you hit a boat, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your boat caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your boat is flooded or stolen, Comprehensive coverage will apply

UNINSURED BOATERS COVERAGE

Covers you if you are involved with a hit-and-run or uninsured boater.

EMERGENCY SERVICE

Pays up to your selected limit for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

PERSONAL EFFECTS COVERAGE

Covers items that are not considered boating equipment such as your water skis, fishing gear, portable radios, scuba equipment and other personal items used with your boat.

BOATING EQUIPMENT/ACCESSORIES

Refers to portable boating equipment and accessories owned by an insured and used with the watercraft such as anchors, boat covers, cushions, life jackets, oars, portable seats, etc...