Let’s talk insurance.
You know the difference between starboard and port, but do you know what you're covered for?
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Regardless of age, size of boat or engine horsepower, you are required to carry a boating license when operating motorized vessels. You should also have insurance.
Here’s what our boat insurance covers:
Holes in boats are never a good thing. This covers you if your boat itself is damaged, or any of the important things that come with it get wrecked. And if you don’t stop in time, property damage also covers what your boat inflicts on docks and other boats.
This takes care of a passenger if they’re injured and makes sure you have the use of a boat if yours is being repaired after an accident.
So let’s say your boat ends up at the bottom of the lake. This repairs your boat or replaces it. This coverage is automatically applied if your boat is 10 years or newer.
Actual Cash Value
You go to launch your boat and she’s not quite what she used to be. This repairs your boat or replaces it, less depreciation. This coverage is automatically applied if your boat is 10 years or older.
So a stranger decides they like your boat, so much so that they want it to be theirs and not yours. This covers you against theft, vandalism, fire and flood.
Keep all your fishing gear and cool boat stuff safe up to a limit of $5,000.
There’s no doubt you’re quite the captain, but just incase you’re injured in a boating accident, this would include x-rays, dental care, pharmaceuticals, nursing services and more from your boating accident.
Voluntary Medical Payments
For medical expenses incurred within one year of the date of the accident, if you unintentionally injure a passenger or if they are accidentally injured while in or upon, boarding or leaving your boat.
Removal of Wreck
While she may not be a wreck to you, if you’re legally obligated to remove or otherwise dispose of your boat, this will cover that.
Ok, so that was a bad joke, but we will literally keep you afloat. If anything happens to your watercraft, insurance will make sure that your boat is repaired or replaced, and that everyone is looked after.
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