Why do I need boat insurance?
Owning a boat is all about freedom and adventure on the water, but accidents, storms, and unexpected breakdowns can put your watercraft at risk. That’s why having boat insurance is a smart way to protect you, your family and your investment.
At YourPolicy, we offer customized boat insurance, jet ski insurance, and watercraft insurance policies to ensure you’re covered. Whether you own a fishing boat, sailboat, yacht, or personal watercraft, our tailored insurance policies help protect against damage, liability, theft, and even emergency towing. Ensure you’re protected today so you can enjoy every wave with peace of mind.
Why Choose Our Watercraft Insurance?
Whether you own a boat, jet ski, or personal watercraft, we’ve got you covered. Our tailored boat insurance policies protect against accidents, theft, and natural disasters. Plus, with liability coverage, you won’t be left high and dry if someone gets injured on your boat or if property gets damaged. Best of all? Our customizable plans fit your boating lifestyle, so you can cruise with confidence.
Don’t let an accident sink your finances! Get the right boat insurance today.
What does boat insurance cover? Eight basic types of insurance.
Boat insurance essentially covers eight types: liability, collision, comprehensive, medical payments, uninsured/underinsured boater, personal property, emergency towing and wreckage removal. Let’s explore what these top coverages can protect you from.
Liability Coverage
Liability coverage protects you if your boat causes injuries or property damage. It includes bodily injury liability for medical expenses and property damage liability for repairs. Essential for boat insurance, this coverage also applies to watercraft insurance and jet ski insurance, keeping you financially secure on the water.
Collision Coverage
If your boat, jet ski, or personal watercraft is damaged in an accident, collision coverage helps pay for repairs or replacement. It applies whether you hit another boat, a dock, or an object underwater. A must-have for boat insurance and watercraft insurance, this coverage ensures you stay afloat financially.
Comprehensive Coverage
Comprehensive coverage protects your boat from non-collision risks like theft, fire, storms, or vandalism. Whether it’s a yacht, jet ski, or fishing boat, this boat insurance feature ensures your watercraft is covered from unexpected damage. It’s essential for securing your investment and avoiding costly repairs or replacements.
Medical Payments Coverage
If you or your passengers get injured in a boating accident, medical payments coverage helps cover hospital bills and medical expenses, regardless of fault. This important boat insurance coverage ensures peace of mind, offering financial protection for medical emergencies on your boat, jet ski, or other personal watercraft.
Uninsured & Underinsured Coverage
If an uninsured or underinsured boater crashes into you, this coverage ensures you’re not stuck paying for damages. Available for boat insurance, watercraft insurance, and jet ski insurance, it covers medical expenses and repairs when the at-fault party lacks proper insurance, keeping you protected on the water.
Personal Property & Equipment Coverage
Protects valuables on your boat, including fishing gear, electronics, and safety equipment. Whether you own a yacht, jet ski, or speedboat, personal property coverage ensures your belongings are safe. A crucial part of boat insurance, it prevents losses from theft, damage, or unexpected accidents on the water.
Emergency Towing & Assistance
If your boat or jet ski breaks down, emergency towing and assistance covers getting you safely back to shore. This essential boat insurance feature also helps with fuel delivery and jump-starts. Stay stress-free knowing your watercraft insurance includes coverage for breakdowns, whether on a lake or open waters.
Wreckage Removal
If your boat sinks after an accident, wreckage removal coverage helps cover the cost of recovering and disposing of it. This vital boat insurance feature ensures compliance with environmental laws and prevents hefty removal expenses. Whether for boats or jet skis, watercraft insurance keeps you covered for unexpected disasters.
You have questions. We have answers.
Common Boat Insurance Questions.
Yes, boat insurance can cover theft of your jet ski. If your jet ski is stolen, comprehensive coverage helps reimburse you for its value, ensuring you’re financially protected. Make sure to include theft protection in your policy for full coverage on your watercraft.
Yes, boat insurance can cover fuel spill cleanup. If your boat causes an accidental fuel spill, fuel spill liability coverage helps cover cleanup costs, keeping you compliant with environmental laws and preventing hefty fines.
Boat insurance typically covers damage from a docking accident through collision or comprehensive coverage. If you accidentally hit a dock, your policy can help pay for repairs or replacement of your boat, depending on the severity of the damage.
Yes, boat insurance can include coverage for water sports injuries. If you or your passengers are injured while water skiing, wakeboarding, or engaging in other activities, medical payments or personal injury protection coverage can help with medical expenses.
Yes, boat insurance may cover damage to your jet ski during winter storage under comprehensive coverage. It protects against risks like theft, vandalism, or damage from storms. Be sure to check with your insurer about specific winter storage coverage options.
If your boat sinks, boat insurance typically covers the cost of salvage, wreck removal, and repairs under comprehensive coverage. Be sure to confirm these details with your policy provider for complete peace of mind on the water.