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What Does Boat Insurance Cover?
A boat insurance policy can cover:
- Property damage liability: Covers damage that you cause to another person’s property, like a boat or dock.
- Bodily injury liability: Pays for injuries to another person caused while using your boat. This coverage pays for things like medical bills, lost income, & legal costs.
- Collision damage: Pays to repair or replace your boat if you get into an accident.
- Comprehensive: Pays to repair or replace your boat if it is vandalized, stolen, or damaged in an incident other than a collision.
- Fishing Equipment: Pays for loss or theft of fishing equipment, like rods, reels, and more.
- Additional coverage options: There are several additional options available depending on the type of boat, how and where you use your boat, and your personal needs.
The actual amount you receive in the event of a claim depends on a few other factors like your deductible amount, liability limits, and more.
Does My Boat Need to Be Insured?
Whether you own a fishing boat, jet ski, or a yacht, your boat has potential to be damaged or cause damage to another person. Even if your boat is in storage, it can be vandalized or damaged in a fire. If the cost to replace your boat is more than you’d be comfortable paying out of pocket, you may want to insure it.
