|
|
|
| |
Boat Insurance Quote
You probably bought your boat for fun, and when you think of fun, the last word that comes to your mind may be Insurance. But of all the money you spent, and will continue to spend, on your boat, boat insurance may be the smartest dollars you spend. Besides, some marinas won't let you dock your boat unless you've got insurance.
Following are some of the best Boat Insurance provider.
|
|
|
 Boat US
Get a Quote
|
- From yachts to personal watercraft (PWC), Boat U.S. has the experience and expertise to serve your boat insurance needs.
- Broadest coverage available - for your boat, motor and trailer, as well as liability, medical and
uninsured boater coverage (subject to policy exclusions).
- Agreed hull value policy - in the event of a total loss, the company pays you the agreed value
on your boat, not adjusted down to book value as many other boat insurers do.
|
|
Boat insurance is available for a small boat, a yacht, a high performance powerboat, a live-aboard houseboat, a Catamaran, a pontoon, or a personal watercraft. Boat Insurance will cover intended use including personal recreation, commercial, or charter vessels.
Boat insurance is like car insurance. No one wants to pay it, but you do so because accidents happen all the time. Not only is it costly to repair a damaged boat, but it can be financially devastating if a judgment is awarded against you requiring you to pay thousands of dollars toward anothers injuries or property damage. Boat Insurance protects against the greater of the losses.
Frequently asked Questions (FAQ's)
Why should I get boat insurance? Won't my home owners policy cover me?
Home owners' policies generally only cover small boats and do not provide very much coverage. Usually the coverage amount is only about $1000 in damages. That amount is for the boat, the engine or outboards, the trailer, and accessories. On a normal boat $1000 doesn't go very far!
Additionally, coverage for theft may not even be that high. Many policies also require that the boat be located on the property where you actively live not at one of your vacation spots! Almost all policies will even limit where you can use your boat and be covered.
What is usually covered in a typical boat owners policy?
Generally boatowners insurance covers the following items - anchors, batteries, bilge pumps, bimini tops, boat covers, deck chairs, depthfinders, PFD's, lights, emergency devices such as EPIRBs, fire extinguishers, fuel tanks, boat furniture, generators, horns, life preservers,masts, mooring equipment, motors, engines, oars, refrigerators, seats, solar panels, stoves, ovens, tarps, trailers.
What is generally not covered in a boat insurance policy?
- cameras or video equipment.
- clothing, jewelry, watches and other personal items
- cellullar phones
- food and beverages
- portable tv's
- stereos and radios
- scuba diving equipments
- sails, masts or spars while a sailboat is in a yacht race
- water skiing or wakeboarding ropes
|
|
|
|
