Title: Boat & Watercraft Insurance
Author: Chris Langille
Published: February 7, 2016
Last modified: October 26, 2022

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#  Boat & Watercraft Insurance

Boats and personal watercraft are **big** investments, but if you love being out
on the water, you know they’re worth it.

So protect your fun investment with coverage that’s designed with the boat lover
in mind. Not with some standard coverage or add-on to your Homeowners insurance.

______________Insurance can help make your time on the water relaxed and worry-free.
We will find you comprehensive 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. 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.

Do you know what to look for in a ______ watercraft insurance policy? ________________
can help you determine the right amount of coverage to meet your specific needs.
Just contact us today to get started.

## ____________ boat insurance coverages

    - **Navigational Area — **Know where you are covered in the water. Some insurance
      companies offer protection that covers you up to 75 miles from the U.S. coastline,
      into Canadian coastal or inland waters, and into the Pacific coastal waters
      of Mexico. In California, Florida and Oregon, coverage for additional areas
      can be purchased.
    - **Agreed Value Coverage — **Watercrafts depreciate just like cars. Actual 
      cash value policies can make it difficult to replace a boat that has 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.

 * **Liability — **Like car insurance, personal liability coverage provides coverage
   to other boaters and boat owners in the event you are at-fault for an accident
   on the water. This coverage will pay to repair or replace the property of someone
   else as well as for their medical care, lost wages, and other costs incurred 
   as a result of a boating accident for which you are at-fault.
 * **Medical Payments — **Medical payments coverage will pay for the cost of needed
   care that is the result of a boating accident. This coverage is available from
   $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers,
   regardless of who is at-fault.
 * **Physical Damage Coverage — **Physical damage coverage pays for the cost to 
   repair or replace your watercraft, its motor, any permanently attached equipment,
   and your trailer if it is stolen or damaged.
 * **Uninsured/Underinsured Watercraft Bodily Injury — **Since boat insurance is
   not always mandatory, many boaters choose not to get insurance. If you are hit
   by an uninsured or underinsured boater and you are injured, this type of coverage
   pays for medical treatment, lost wages, and other costs associated with the accident.
 * **Fuel Spill Liability and Wreckage Removal — **Should your boat sink or be 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.
 * **Personal Effects — **Your policy can provide coverage for many personal effects,
   including clothing, jewelry, cell phones, scuba/snorkeling and other sporting
   equipment, and fishing equipment. Limits vary by state, so check with us for 
   what’s required in Washington. Personal effects coverage does not include jewelry,
   watches or furs.
 * **Unattached Equipment Coverage — **This pays to repair or replace equipment 
   that isn’t permanently attached to your boat or personal watercraft, but is designed
   for use primarily on a boat. This includes items like lifesaving equipment, water
   skis, anchors, oars, fire extinguishers, tarps, etc.
 * **Emergency Assistance — **The Emergency Assistance Package provides coverage
   for towing, labor and delivery of gas, oil or loaned battery if the watercraft
   is disabled while on the water.

To get started, head over to our quotes page or call our office, and we’ll walk 
you through the process of getting covered.

#### Would You Like Us To Review Your Policies?

 * What would you like a quote for? Check all that apply:*
    -   Auto
    -   Home
    -   Condo
    -   Renters
    -   Rental Property
    -   Life
    -   Motorcycle
    -   Boat & Jet Ski
    -   Umbrella
    -   Business Owners Package
    -   Work Comp
    -   Contractors Insurance
    -   Other
 * Primary Policyholder Name*
 *    First    Last
 * Your Phone Number*
 * Your Email*

 * How did you find our agency?*
    -   Google Search
    -   Facebook Page/Post
    -   Facebook/Instagram Ad
    -   Google Ad
    -   Customer Referral
 * Who referred you to us?*
 * Current Insurance Provider*
 * Date Quote Needed*
 *   MM slash DD slash YYYY
 * If you have any other questions, comments or requests, please leave them here,
   thank you!

### Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at AGENCYNAME is here
and ready to make the process as painless as possible. We look forward to meeting
you!

 [ Start Here ](http://mu.advisorevolved.com/quotes/?output_format=md)