Boat Insurance

Driving always comes with some level of risk. Auto insurance can help protect you and others should you have an accident while driving. There are several different types of coverages that you can purchase with an auto insurance policy:

• Liability coverage, also known as Bodily Injury and Property Damage (BI/PD), includes protection for any injuries sustained by someone else, as well as damage to another person’s property, if you’re responsible (liable) for the accident. This coverage also will pay for the significant expenses of salvage recovery should your vessel sink.
• Medical Payments coverage, also known as Medpay, can help pay for injuries of drivers or passengers regardless of fault. It’s often an affordable supplement to your medical insurance.
•  On-Water Towing is available should you find your vessel disabled and need assistance getting back to shore. Oftentimes this service is provided with no out-of pocket expenses for the owner of the boat.
• Comprehensive coverage pays for damage to your vessel caused by wind, hail, hurricanes, theft, vandalism, and more. Essentially, Comprehensive coverage protects your vehicle from any damage not caused by a collision.

• Personal Effects coverage can be purchased to cover all of the property you carry on your boat. Examples include fishing gear, navigational equipment, portable speakers, cellphones, SCUBA gear, etc. 

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