Whether you're spending every day on the water or have your boat in storage for the winter, it's important to keep your watercraft protected against the unexpected year round. You'll enjoy being on the water even more when you aren't worried about your safety, the safety of your passengers, or your investment.
Helps pay medical costs if you or anyone on your boat is injured in an accident.
If there's an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person's boat or property.
Covers the damage to your boat if you're involved in an accident with another boat or something else like a pier, buoy, dock or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.
Covers the repair work done on your boat, motor, equipment or trailer with no deduction for depreciation.
If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.
If you're in an accident with an uninsured or underinsured boater, this helps pay for injuries that you, your family or anyone else on your boat sustains.
When you're reimbursed for your boat's value, you'll be reimbursed for what it was worth at the start of the policy regardless of the current market value.
Covers your fishing equipment and other personal belongings if they're damaged, lost or stolen.
Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.
Covers damages to your trailer resulting from an accident or other unforeseen incidents.
Coverage for costs related to cleaning up fuel spills and removal of accident wreckage. If your boat sinks or is seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat's owner, you are required by law to have this cleaned up, which can be time consuming and expensive. This coverage helps pay costs related to having your sunken or sinking boat raised and removed when required.
Emergency assistance for boats and personal watercraft will reimburse you for the cost of on-water towing, labor and emergency services like delivery of fuel, oil or a loaned battery if your boat is disabled while on the water.