Your boat is likely one of your prized possessions, and the friends and family you enjoy it with are just as prized. That’s why it’s crucial that you opt for boat and watercraft insurance from a trusted insurance agency like to protect both your boat and your passengers. 

Boats aren’t a cheap toy, and it can be devastating if something happens to tarnish their shine — even worse, if they’re damaged extensively. 

What does boat insurance cover?

When you cover your boat or watercraft with insurance, you can protect your boat from physical damage caused by weather, vandalism, or theft. Your insurance will typically cover the boat, the motor, and any permanently attached equipment. 

Not only does boat insurance cover your boat or watercraft, but it also helps to pay for medical expenses if you or your passengers were to be hurt in an accident. If you’re at fault, it can also help pay for the medical costs of someone else that you hurt with your boat or while participating in boating activities. 

Boat insurance also covers personal liability, which helps to cover other boaters if you damage their boat or hurt their passengers. Not to mention, it will also help pay for damages to their property that you cause with your boat.

Most boat insurance also covers the costs required to clean oil and gas out of the water if you were to be in an accident or accidentally leak fluids.

Many insurance agencies also provide you with emergency assistance coverage, which means some of the costs will be covered if you have to be towed, delivered gas or a battery, or are stranded on the water. 

Learn more about boat and watercraft insurance from  

If you need insurance for your boat, jet ski, or other watercraft, is here for you. We can help you decide on the coverage that is right for you and help give you the peace of mind that you deserve while on the water. 

If you’re ready to learn more about boat insurance coverage, give a call today at 203-255-2877 to learn more.

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