Boat Insurance

Protects in the event of a collision with a submerged object or another boat.

A variety of choices may be available with this coverage.

In the event of a total loss, this pays the amount shown on the declarations page, regardless of the current market value. This protects against depreciation.

Actual Cash Value can earn you a premium discount. However, in the event of a loss, the settlement is based upon a depreciated value.

Protects your personal property while on the boat, including items such as your clothing, stereo systems, cameras, fishing equipment, and other personal items.

This coverage is available on new boats, in the event of a Total Loss, it replaces the insured boat with a new boat, thereby protects against depreciation and inflation.

Pays for claims resulting from bodily injury to others or damage to the property of others.

Pays for medical services for you, your family, or your passengers if you are hurt in a boating incident.

Provides reimbursement for towing and labor costs when the boat becomes disabled on the water and covers breakdowns while the boat is being trailered.

Discounts include safe boating courses, such as those from the Power Squadron and U.S. Coast Guard.

Credits for safety equipment such as built-in fire extinguisher systems and burglar alarms are available.