Boat Insurance Quotes and Coverage Options
Pays for loss of, or damage to, personal effects while on board an insured boat or while being carried on or off an insured boat

Some of the coverage options you will encounter in your search for boat insurance quotes include:

§         Bodily injury and property damage liability – this covers your legal responsibility for a mishap where there is damage or injury to something or someone else, up to the limit of liability selected

§         Uninsured boater – pays for medical treatment, wage loss and other damages you would have received from the other person’s insurance company, had they been insured

§         Medical payments – covers the cost of necessary medical care provided to you due to a boating accident and applies in spite of who is at fault

§         Comprehensive and collision – pays for the cost to restore or replace your boat if it is stolen or damaged in a covered loss, regardless of who is at fault

§         Actual cash value – pays the lower of the cash value at the time of the loss or the current market value, once your boat is declared a total loss

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Agreed value – regardless of the actual cash value at the time of the loss, agreed value coverage pays the current market value if your boat is declared a total loss

§         Total loss replacement – this coverage replaces the current boat with a new one that is, to the greatest extent possible, the same make and model and that contains similar equipment, if a total loss occurs

§         Replacement cost personal effects – this coverage pays for loss of, or damage to, personal effects while on board an insured boat or while being carried on or off an insured boat

§         On water towing and labor coverage service – this pays for towing and labor costs up to $1,000 per occurrence

§         Roadside assistance – provides towing to the nearest qualified repair facility and covers necessary labor at the time or place of disablement when the tow vehicle or boat trailer is put out of action due to any of the following:

o       Mechanical or electrical breakdown

o       Battery failure

o       Inadequate supply of fuel, oil, water or other fluids

o       Flat tire

o       Lockout

o       Entrapment in snow, mud, water or sand within 100 feet of the roadway

§         Fishing equipment – pays for loss or damage to fishing equipment while on board an insured boat or while being carried on or off an insured boat

§         Fuel spill liability – coverage for unintentional oil or fuel spills that result in bodily injury or property damage for which you are legally responsible because of an accident arising out of the possession, upkeep or use of your insured boat

§         Wreckage removal – reasonable costs incurred by you are paid for any attempted raising, removal or destruction of the wreckage of your insured boat that results from any loss for which Physical Damage coverage is provided

§         Mexico physical damage – automatically extends the physical damage portion of the policy to cover losses occurring in Mexico, including ocean waters within 50 miles of its coast

§         Water sports – automatically included with liability and medical payments coverages, sometimes with no premium