Personal watercrafts and boats have become a must-own item for many people. They are also getting more powerful and more expensive by the year. Our boat policies can ensure that you are properly covered for a weekend at the lake. Our boat policies have many coverages you will find throughout the policy:
Bodily Injury – Pays for damages to an injury the other party sustains in an accident in which you are legally liable.
Property Damage – Pays for damage to someone else’s property resulting from an accident for which you are at fault and provides you with a legal defense.
Uninsured Motorists – Reimburses you for damages or injuries sustained where the other party was at fault, but did not have insurance.
Underinsured Motorists – Reimburses you for damages or injuries sustained where the other party was at fault, but did not have high enough liability limits to cover your medical expenses.
Medical Payments – Pays your medical expenses related to a watercraft accident.
Comprehensive – Covers your vehicle, and other vehicles (in limited scenarios) you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your watercraft if it is stolen; or damaged by flood, fire, hail, or animals. It pays to fix your vehicle less the deductible on your policy.
Collision – Covers damage to your watercraft when your watercraft hits, or is hit by, another vehicle, watercraft or other object. Pays to fix your vehicle less the deductible you choose.
Fishing Equipment – Covers theft or damages to fishing equipment, such as depth finders, poles, and tackle.
Trailer Coverage – Pays to fix/replace the trailer hauling the watercraft
**** All coverages are subject to the terms, limits and conditions of your policy contract