Boat Insurance

Boat Insurance Policies

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No matter the kind of boat that you own, from a large yacht to a small dingy, you want to consider the benefits that are offered by purchasing boat insurance. Most of the time, the boat owner is mandated to have an insurance policy, even it is the minimum amount of coverage available. These minimums will vary upon several factors, including where you live, the kind of boat you own, and other factors, such as if you have a loan, etc.


Boat insurance is not a one size fits all type of policy. There are several options that you can choose from. Largely, policies offer coverage against boat damage, but there are also liability-only policies. Coverage amounts could be based on the actual cash value or the agreed upon hull value.


Other optional policies that you can include in your coverage, including fuel spill liability, wreck removal, medical payments, towing, hurricane haul out, fishing equipment coverage, and more. You ca also look at a bodily injury coverage that will take care of medical bills of your passengers, as well as damage to property, including other boats.


If you own a boat or are considering purchasing a boat, you need to understand that you are taking risk into your own hands if you do not have some sort of insurance coverage. Whether your boat is stolen, you have an accident on the water, or it is damaged due to a manfunction, a boat can be quite an investment that you do not want to lose money on. By purchasing a boat insurance policy, you can decrease your risk and enjoy the time on the water even more.


A new insurance company or a new boat dictate an evaluation of the coverage that you have. This will allow you to make the most of your time to ensure that you understand the benefits and ramifications of boat insurance. Contact your insurance company today and request a quote

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