Home :: Boat Insurance needs
Small boat, large boat, yacht, Personal Water Craft (PWC) and yes even
your boat trailer needs insurance.
Boat insurance programs are normally designed to cover
boats up to 26' in overall length. If the size of your vessel is greater
than 26 feet, it's generally considered a "yacht", and therefore
qualifies for yacht insurance.
Boat insurance provides physical damage coverage to repair your boat if it's
accidentally damaged or destroyed by a covered peril such as collision,
fire, theft, windstorm, lightning or vandalism. This coverage is broad, and
provides coverage for the boat, including its machinery and auxiliary
equipment, outboard motors, boat trailer and personal property.
A good boat insurance policy should also offer Personal
Effects coverage to provide protection for those items not intended for the
normal operation of your boat, such as portable TVs, cellular or portable
phones, stereos, radios and cameras.
Your boat is probably one of your most treasured and valuable
possessions
Unfortunately, a boat can also be vulnerable - to
accidents, storms, and theft. In addition to giving you peace of mind, boat
insurance coverage provides protection for you, your passengers and your
boat. Here are some qualities to consider when shopping for boat insurance:
Stability - research the financial stability of
your potential boat insurance provider.
A.M. Best and
Standard & Poors
offer financial ratings for boat insurance companies
Reputation - Get your boat insurance from a quality
boat insurance provider. Choose a company with high standards and a strong
reputation.
Customer Service - When a claim occurs you'll want
to be treated fairly and quickly. Choose a marine insurance provider with a
large network of boat insurance agencies, offices, claim centers, emergency
services and helpful employees to serve you in your time of need.
Price - Although price is important you will need
to understand your marine insurance policy and services behind it. Find a
balance between peace of mind, financial security and price. Make sure you
understand your policy, the lowest price is not always the best protection.
Coverage should also include:
Boat Liability
Medical Payments
Uninsured Boat Owners Coverage
Choose the coverage that is right for your
budget.
Before you buy review the plan, what it covers and
exclusions.
To request your boat insurance quote, or for further information,
click the boat insurance provider below.
Insurance Providers
Boat Insurance From BoatUS
Choose a boat insurance
policy that best fits your boating needs. BoatUS Marine Insurance offers
three different insurance programs.
The BoatUS Total Protection Yacht Policy
provides broad coverage and has unique boaters-only features such as
Lifetime Repair Guarantee and Investigative Services at competitive rates.
For boats 26 feet and under, lower rates are available through the BoatUS
Boat Saver Policy.
The Boat Saver Policy offers basic, no-frills coverage at
significant savings.
The BoatUS Personal Watercraft Policy offers low rates
and broad coverage in a policy designed specially for PWC. The PWC program
even has special discounts for safe drivers.
Personal Watercraft Insurance
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