Boat Insurance – Make Sure You’re Covered on the Water

May 18, 2020||inPersonal Insurance|boat insurance, boat safety, homeowners insurance, personal insurance, recreational vehicles

If you’re an avid boater, you understand that navigating waterways responsibly is not a priority for everyone. Among your fellow water enthusiasts, there are numerous unregistered boaters whose lack of official documentation often correlates with a disregard for safety regulations and proper boating etiquette. This increases the risk of accidents or conflicts on the water. Given this reality, it’s crucial that you secure comprehensive insurance coverage. This ensures not only the protection of your watercraft but also safeguards you, your family, and any friends on board.

Boat Insurance - Make Sure You’re Covered on the Water
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Small Boats

Most homeowners, condo owners or renters policies provide very limited coverage for property damage and liability coverage for small boats such as canoes, small sailboats and small power boats. Depending on the size of your watercraft, you may need to add an endorsement to your homeowner policy or get a separate boat insurance policy.

Larger and Faster Boats

For larger boats, yachts and personal watercraft such as jet skis, you need a separate boat policy. A boat policy provides for loss or damage to the watercraft and attached equipment either on an Actual Cash Value or Agreed Amount Value. It also offers liability for bodily injury to another person, damage to someone else’s property and guest passenger liability coverage.

Talk to Your Agent

While there are insurers that specialize in writing boat policies, it’s wise to contact Murphy Insurance to discuss your homeowners insurance to coordinate your boat coverage and ensure consistent and comprehensive protection. You want to avoid coverage gaps between a boat policy and other coverage, especially if you have umbrella liability insurance.

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Visit Our Boat Insurance Page

Boat Insurance

Water recreation is a growing recreational activity and accidents can happen. If you’re a boater, don’t assume that all watercraft users are as responsible and safety-conscious as you. You share the waterways with many unregistered boaters, making it even more important to have proper protection. Give yourself the peace of mind of knowing that your guests, your family and you are protected if an accident should occur. Contact Murphy Insurance today to get a boat insurance policy.