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rental boat insurance

What You Need to Know About Rental Boat Insurance

I’m renting a boat…now what?  Boating is a popular summertime activity. Depending on where you are or where you vacation, you might want to rent a boat. Before you get out on the water this summer, it’s important to know if or how you’re protected. Here’s what you need to know about rental boat insurance.

What is Boat Rental Insurance?

A typical boat insurance only helps protect a boat that you own. However, boat rental insurance is a good option if you rent a boat. Rental boat insurance helps protect you from paying out of pocket for damages, cost of repairs, or watercraft replacement. Accidents can occur, and it’s essential that you are prepared if they do. Keep in mind each policy can differ, and it’s important to understand the coverage limits of the policy.

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Where Can I Get Boar Rental Insurance?

The place you rent the boat from may offer boat renters insurance. You can often purchase rental boat insurance through them. 

If they don’t offer it, ask them if they have any other options. Be sure to clarify what would happen if something went wrong during the rental period. You don’t want to find out the hard way that you need to out of pocket for damages from an accident. If you feel uncomfortable, find a different place to rent a boat, preferably one with rental boat insurance options.

Always feel free to call your insurance agent about other coverage options. They can help you find the right boat renters coverage for your situation.

What If I Already Have Boat Insurance?

Your Massachusetts boat insurance is only applicable to a boat that you own, but not a rental boat. Just like when you rent a car, your own auto personal auto insurance doesn’t cover a rental vehicle. Similarly, if you rent a boat, you’ll need additional boat renters insurance. 

It’s important to keep in mind that every boat insurance policy can differ. If you’re ever in doubt, ask your insurance agent. They can help you better understand your policy limits and how to best protect yourself and others.

Call us at 413.475.283
Complete our online quote form today

What If I’m Borrowing a Boat From a Friend?

If you are borrowing a boat from a friend, you would be covered under their MA boat insurance policy. Their boat insurance policy is subject to the limits they have purchased. Ask them about their boat insurance coverage before you borrow their boat, just to be safe. Make sure that they are comfortable and aware of the consequences of an accident before you take their boat out on the water! If they need, have them call their insurance agent to double check before you head out. 

If you have additional questions or concerns about boat rental insurance, give Encharter a call and we can help address them! We want to help keep everyone safe this summer!

Chat with an Encharter agent today: 413.475.7283!
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