Title: Boat Insurance
Author: Kevin
Published: February 7, 2016
Last modified: January 24, 2025

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#  Boat Insurance

## We specialize in Boat Insurance in STATENAME

Boats and personal watercraft are **big** investments, but if you love being out
on the water, you know they’re worth it.

So protect your fun investment with coverage that’s designed with the boat lover
in mind, not with some standard coverage or add-on to your Homeowners Insurance.

AGENCYNAME can help make your time on the water relaxed and worry-free. We will 
find you comprehensive boat insurance protection that protects you, your friends,
family, your watercraft, and your boating equipment.

The average boat policy costs less than a dollar a day. You’ll enjoy being on the
water, even more, when you aren’t worried about your safety, the safety of your 
passengers, or your investment.

Do you know what to look for in a boat insurance policy? AGENCYNAME can help you
determine the right amount of coverage to meet your specific needs. Just contact
us today to get started.

### STATENAME Boat Insurance coverages

 * **Navigational Area — **Know where you are covered in the water. Some insurance
   companies offer protection that covers you up to 75 miles from the U.S. coastline,
   into Canadian coastal or inland waters, and into the Pacific coastal waters of
   Mexico. In STATENAME, Florida, and Oregon, coverage for additional areas can 
   be purchased.
 * **Agreed Value Coverage — **Watercrafts depreciate just like cars. Actual cash
   value policies can make it difficult to replace a boat that has been stolen or
   destroyed. This means that if your boat is a total loss you will get the value
   you insured it for, minus any deductible.
 * **Liability — **Like car insurance, personal liability coverage provides coverage
   to other boaters and boat owners in the event you are at-fault for an accident
   on the water. This coverage will pay to repair or replace the property of someone
   else as well as for their medical care, lost wages, and other costs incurred 
   as a result of a boating accident for which you are at-fault.
 * **Medical Payments — **Medical payments coverage will pay for the cost of needed
   care that is the result of a boating accident. This coverage is available from
   $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers,
   regardless of who is at-fault.
 * **Physical Damage Coverage — **Physical damage coverage pays for the cost to 
   repair or replace your watercraft, its motor, any permanently attached equipment,
   and your trailer if it is stolen or damaged.
 * **Uninsured/Underinsured Watercraft Bodily Injury — **Since boat insurance is
   not always mandatory, many boaters choose not to get insurance. If you are hit
   by an uninsured or underinsured boater and you are injured, this type of coverage
   pays for medical treatment, lost wages, and other costs associated with the accident.
 * **Fuel Spill Liability and Wreckage Removal — **Should your boat sink or be seriously
   damaged, there is a chance that it could leak oil or fuel into the water. As 
   the boat’s owner, you are required by law to have this cleaned up, which can 
   be time consuming and expensive.
 * **Personal Effects — **Your policy can provide coverage for many personal effects,
   including clothing, cell phones, scuba/snorkeling and other sporting equipment,
   and fishing equipment. Limits vary by state, so check with us for what’s required
   in your state. Personal effects coverage does not include jewelry, watches or
   furs.
 * **Unattached Equipment Coverage — **This pays to repair or replace equipment 
   that isn’t permanently attached to your boat or personal watercraft, but is designed
   for use primarily on a boat. This includes items like lifesaving equipment, water
   skis, anchors, oars, fire extinguishers, tarps, etc.
 * **Emergency Assistance — **The Emergency Assistance Package provides coverage
   for towing, labor and delivery of gas, oil or loaned battery if the watercraft
   is disabled while on the water.

### Want to compare your options?

Click the button below to head to our quotes page where you can enter some basic
information to have our team help with your insurance!

 [ Start A Conversation With Us  ](https://mu7.advisorevolved.com/quotes/?output_format=md)

##### Ready to get started?

### Start Your Quotes Today

Enter some basic information below to get the process started.

 [ Start Quotes ](https://mu7.advisorevolved.com/quotes/?output_format=md)

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