Before you head to the water for some summer fun, learn about the importance of adequate boat and personal watercraft insurance. We can help you find an affordable watercraft insurance option that is right for you.

Boat Insurance
Larger and faster boats, yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage. For physical loss or damage, coverage includes the hull, machinery, fittings, furnishings and permanently attached equipment for an agreed value. These policies also provide broader liability protection than a homeowners policy.

Boat insurance also covers:
- Bodily injury—for injuries caused to another person
- Property damage—for damage caused to someone else’s property
- Guest passenger liability—for legal expenses incurred by someone using the boat with permission
- Medical payments—for injuries to the boat owner and other passengers
- Theft

Personal Watercraft Insurance
Home and auto insurance policies may provide limited coverage for personal watercraft, but you may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident. The personal watercraft policy covers bodily injury, property damage, guest passenger liability, medical payments, and theft.

Source: Insurance Information Insitute. Click here for additional information>>

Click here to speak with an agent>>