Water recreation is growing in popularity. If you’re own a boat or watercraft, it’s important to remember that not all boaters and watercraft users are as responsible and safety-conscious as you are. With many unregistered boaters on the water, having the right insurance protection is crucial to protect you, your passengers, and your watercraft.
Enjoy peace of mind and a beautiful day out on your boat by ensuring protection for yourself, your family, and your guests with a Boat Insurance policy from Murphy Insurance.
What’s Covered with Boat Insurance
What you need and specific coverage varies depending on the type of boat you own. Your policy will provide details of coverage; however, a boat insurance policy commonly protects you for:
- Accidents causing physical damage to the boat and, in most cases, trailers, are caused by storms, collisions, fires, sinking, capsizing, stranding, explosions, or theft. This includes the attached equipment, as well as anchors, oars, dinghies, electric motors, extra fuel tanks, tools, canopies, seat cushions, and life preservers.
- Damage caused by vandalism or malicious mischief.
- Medical payments for injuries to the boat owner and other passengers.
- Liability and legal defense costs resulting from your ownership, maintenance, use, loading or unloading of your boat, including:
- Bodily injury or death to another person
- Property damage caused to someone else’s property, including other watercraft or docks
- Guest passenger liability for any legal expenses incurred by someone using the boat with the owner’s permission
- Theft
Optional Coverage For Better Protection
A basic boat policy only covers some situations. Be sure you have protection that covers the following:
- Accidents with Uninsured Watercraft
- Personal Property that you keep onboard
- Fishing Equipment
- Emergency Service
- Removal
For more information Contact Us or complete a Boat Insurance Quote request to get the process started now.
Personal Watercraft Insurance
Personal Watercraft Insurance (PWC insurance) is insurance coverage designed to protect owners of personal watercraft, such as Jet Skis, WaveRunners, or Sea-Doos, from financial losses resulting from accidents, damage, or liability claims while operating their watercraft. PWC insurance provides coverage for both the watercraft itself and the owner or operator in the event of accidents, injuries, or property damage on the water.
Key aspects of Personal Watercraft Insurance include:
- Liability Coverage: Personal Watercraft Insurance typically includes liability coverage, which protects the owner or operator of the watercraft from financial responsibility for injuries or property damage caused to others while operating the PWC. This coverage may include bodily injury liability and property damage liability.
- Collision Coverage: PWC insurance covers damage to the watercraft resulting from collisions with other vessels, submerged objects, docks, or obstacles. Collision coverage helps pay for repairs or replacement of the PWC in an accident.
- Comprehensive Coverage: Comprehensive coverage protects the PWC from non-collision-related risks, such as theft, vandalism, fire, or weather-related damage. This coverage helps pay for repairs or replacement of the watercraft if it is damaged or stolen while not in use.
- Medical Payment Coverage: Personal Watercraft Insurance may include medical payment coverage, which provides reimbursement for medical expenses incurred by the owner, operator, or passengers of the PWC in the event of injuries sustained in an accident. This coverage typically applies regardless of fault.
- Uninsured/Underinsured Boater Coverage: Some PWC insurance policies offer uninsured or underinsured boater coverage, which protects the watercraft owner or operator if they are involved in an accident with another boater who lacks sufficient insurance coverage to pay for damages.
- Towing and Assistance: Personal Watercraft Insurance may include towing and emergency assistance coverage if the PWC becomes disabled on the water due to mechanical breakdown, fuel shortage, or other covered reasons.
Personal Watercraft Insurance is essential for Jet Skis, WaveRunners, and similar watercraft owners to protect themselves and their assets from financial losses resulting from accidents, injuries, or property damage on the water. By obtaining PWC insurance coverage, owners can enjoy peace of mind knowing they are financially protected while enjoying recreational activities on the water.
Read Our Boat Insurance Blog Posts
How to Prepare for Hurricane Season
Safe Boating Checklist
Contact Us
Communities
Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.
About Us
Get A Quote
- Quote Overview
- Auto Insurance Quote
- Homeowners Insurance Quote
- Condominium Insurance Quote
- Renters Insurance Quote
- Umbrella Liability Quote
- Valuables Coverage Quote
- Boat Insurance Quote
- Business Insurance Quote
- Employee Benefits Quote
- Life Insurance Quote
- Disability Insurance Quote
- Long-Term Care Insurance Quote
- Other Insurance Quote
Resources
Personal Insurance
Business Insurance
Legal
Read Our Blog
Recent Posts
- Decorate Safely During the Holidays November 26, 2024
- Thanksgiving Safety Tips for a Happy Holiday November 22, 2024
- Vehicle Breakdown Safety Basics November 20, 2024
- How Insurers Calculate Premiums November 13, 2024
- Preventing Drowsy Driving November 5, 2024
- Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors October 23, 2024
- Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton October 21, 2024
- Defensive Driving to Avoid Deer Collisions October 5, 2024
- MA Dept of Industrial Accidents New Notice Requirements September 10, 2024
- Factors Affecting Your Car Insurance Rate September 6, 2024
- Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters August 14, 2024
- Recognize Spam and Phishing Emails August 5, 2024
- How Distracted Driving and Texting Impact Your Auto Insurance Premiums July 17, 2024
- Keep Your Home Safe While on Vacation June 26, 2024
- 5 Tips for Adding a Teen to Your Auto Policy June 21, 2024