Watercraft & Boat Insurance
Watercraft & Boat Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Watercraft & Boat Insurance Information
As is the case with all vehicles, owning a boat requires you to be aware of various risks and implement appropriate financial safeguards. Regardless of whether you enjoy skating across the water on a jet ski, taking a leisurely trip in a small vessel or going on an extended journey in a luxurious yacht, boat insurance is an essential investment.
How Does Boat Insurance Work?
Boat insurance functions similarly to many other coverage offerings, as you establish a contractual agreement with your insurance company that retains financial protection for you and your watercraft. In exchange for your regular (e.g., monthly or annual) premiums, your insurer agrees to provide financial assistance following covered incidents involving your boat up to your policy’s limits and minus your deductible.
What Does Boat Insurance Cover?
Boat insurance can be customized for your unique circumstances, coverage needs and budgetary preferences. Here are some key features to consider adding to your policy:
- Boat liability insurance can provide financial protection if you are at fault for causing bodily injuries or property damage to another party while using your vessel.
- Hull coverage may help pay for damage sustained by your boat and provide funds to help repair or replace it.
- Uninsured/underinsured watercraft coverage can assist you in recouping losses another party is at fault for, even if they lack adequate insurance.
- Contents coverage may compensate you for losses involving personal belongings that are stored or transported on your boat.
- Medical payments coverage can help pay for the associated health care costs if you or your passengers are injured while on your boat, regardless of who was responsible for the incident.
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What Is Comprehensive Boat Insurance?
Comprehensive boat coverage plays an essential role in financially protecting the physical makeup of your boat, including its hull, engines and other machinery. Together with collision coverage, comprehensive boat coverage can provide funds and resources to assist you following incidents that damage your vessel. While the former type of insurance can help cover accidents in which your boat is involved in a collision, the latter type of insurance includes coverage for many other incidents, such as fires, vandalism, theft and weather-related perils.
Get the Right Coverage
At Five County Insurance, we are well-equipped to help boat owners in the Bonita Springs, Cape Coral, Port Charlotte, Fort Myers and Naples areas secure appropriate coverage for their watercrafts. Reach out today to get a personalized boat insurance quote.
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