Auto Insurance for Boats and Other Water Vehicles
Many families enjoy owning recreational watercraft, including boats and jet skis or wave runners. Recreational watercrafts are a lot of fun, but when something happens to your boat or your jet ski, the fun is quickly over. Therefore, you want to make sure your boat or other water vehicles are covered by auto insurance.
Boat Insurance Policies
Different coverage options can protect you against the following, even if you are considered liable:
- Accidents
- Vandalism
- Theft
A typical boat insurance policy protects you against the following:
- Damage to any equipment used for normal operation of the boat, including the hull, sails, machinery, and furniture and
- Damage caused by inclement weather, workmanship defects, and vandalism.
Coverage can include your boat, another person’s boat, a dock, and even the trailer you use to transport your boat or other watercraft. You are covered even when you are considered liable.
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Additional Boat Insurance Options
Additional coverage options protect your personal property and insure you against other uninsured boaters on the water. A quick overview of the various coverage options is as follows:
- Liability and medical payments to others
- Bodily injury or death
- Physical damage coverage
- Medical payments to the insured
- Uninsured watercraft coverage
- Equipment and accessories coverage
- Personal effects coverage
- Emergency service coverage
- Loan gap coverage
Boat Insurance Discounts
In some cases discounts might also be available for boat owners. A few of the possible discounts often available include the following:
- Loss-free: applies when you have remained loss free for a specified period of time
- Multi-policy: applies when you insure more than one watercraft
- Safety course
- Safety device: available when you complete safety training and install safety equipment like fire extinguishers and depth finders
Companies Offering Boat and Watercraft Insurance
There are several insurance companies that offer boat and watercraft insurance, such as:
Check with any of the listed companies, or one of the many other boat and watercraft insurance providers, to find out what coverage options are available.
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*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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