Have a boatload of fun while being protected with a boat insurance policy

Got fun-in-the-sun with a boat or jet ski? Who wouldn’t want to be on the water with the wind in their hair and the spray of cool water hitting their face! With the excitement of owning watercraft comes the responsibility of making sure you, your passengers, and others who are on the water at the same time, are safe. Some people think that their homeowners insurance will provide coverage in the event of an accident while on a boat or watercraft, but the truth is…your boat needs it’s own separate insurance policy.

Keep your head above water by having boat insurance coverage

While there are many types of boat insurance that will cover everything from a jet ski to a cabin cruiser, there are four basic types of coverage when it comes to boats and watercraft:

  1. Property Coverage- This covers physical damage to your boat, motor, trailer, and other boating equipment which includes radar systems, portable boating accessories, citizen band radios and even water skis and other water sports equipment.
  2. Personal Liability Coverage- This covers bodily injury to others whether on your boat or someone elses as well as any damage caused to another person’s property.
  3. Medical Payments- This covers medical expenses incurred by you, any passengers on your boat, and occupants of other boats or watercraft that are hurt as a result of an accident involving your boat.
  4. Uninsured Boaters Coverage- In the event you are in an accident with another boater that doesn’t have coverage, Uninsured Boaters insurance will help pay for your medical expenses.

The most common types of boat losses that will be covered by boaters insurance are:

Collision Damage

  • Emergency/Towing Service
  • Sinking
  • Storm Damage
  • Running Aground
  • Theft

Boat losses that are not covered are:

  • Losses resulting from stunt activities and/or boat racing
  • Physical damage cause by animals birds, or rodents
  • Issues resulting from poor/lack of maintenance

Similar to auto insurance, the cost of boat insurance will vary depending on the year, make, model, and value of your boat or watercraft as well as the types of coverage you want to have in your policy. While being a good driver and having certain safety equipment can save you money on your auto insurance policy, you can save money on your boater’s insurance policy by: 1) Bundling your boat insurance with other insurance policies 2) Installing safety equipment on your boat or watercraft and 3) Taking a boater’s safety course.

With the proper boat insurance coverage you can have peace of mind when you are out enjoying time on the water. Thousands of boating accidents occur every year. Having the right boat insurance can help to ensure that should you be part of an accident while on the water, you, your passengers and any other boaters will be covered. Consult with your agent to find the right boat insurance in Temecula, Murrieta, Menifee, Hemet, Lake Elsinore and the surrounding areas of the Inland Empire.

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