Boat Insurance

Boat Insurance Basics

Make your time on the water relaxed and worry-free with comprehensive boat insurance protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. Being on the water is even more enjoyable when you aren’t worried about your safety, the safety your passengers, or your investment.

There are a variety of coverage types available. We’ll help determine the level of coverage that is right for you. Give us a call at (651) 636-6911 or request a quote comparison to get started.

Boat Insurance Coverage

Collision – Pays for damage caused to your boat or watercraft in an accident. Collision covers hitting other boats, docks, or submerged objects.

Comprehensive – Covers damage to your boat or watercraft from something other than a collision, such as if it were stolen or vandalized.

Liability – Liability insurance pays for injuries and damages to you cause to someone else. Bodily injury liability pays medical bills and lost wages, while property damage liability pays for damage to vehicles or other property.

Uninsured/Underinsured Boaters Liability – Covers you and your passengers in case you’re injured by a boater that has no insurance or not enough insurance.

Medical Payments – Pays for the cost of needed care that is the result of a boating accident. It covers you and your passengers, regardless of who is at-fault.

Agreed Value Coverage – Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

Personal Effects & Fishing Equipment – Provides coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.

And More – There are a variety of additional coverage options that can be added to your policy, depending on your needs.

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