Once the weather heats up, one of the most exciting things you can do is take your boat out for a spin. Whether you have a pontoon boat for the whole family to enjoy or a speed boat for a little more adventure, you will want to make sure your boat is protected with boat insurance. Accidents can happen on a lake, sea, or even pond the same way they can on the roads. Make sure you would be protected in the event of an accident.
We can offer personal watercraft insurance plans to cover many types of loss including:
- Liability Coverage — You may need liability coverage if you are at fault for an accident with another boat or person out on the water. Multiple options of coverage and limits are available.
- Physical Damage Coverage – This coverage is optional, but is designed to protect your boat, motor and trailer. Your coverage is subject to your chosen deductible which is the amount that you pay out of pocket before your coverage kicks in.
- Medical Payments Coverage – If you or your passengers get hurt out on the water, this protection will help cover eligible medical expenses.
You may want even more coverage depending on your boating habits, your location, and other important factors. In this event, it may be a good idea to have an umbrella policy which can protect you even in situations where your liability exceeds your limits. Purchasing a boat is a big investment and having the right boat insurance can help protect that investment.
Make sure you have coverage year round for your boat. Keep in mind that your boat can be damaged or vandalized while in storage when you aren’t using it.
Don’t forget to ask us about discounts for which you may be eligible! You may be able to save money by going paperless or even just by bundling your auto or home insurance policy with your boat insurance with our combine and save discount option.
Give our agents a call at 888.754.8299 or fill out the online form above to get started on your personalized quote today.