Boat and Watercraft Insurance

Most insurance companies provide limited coverage for property damage for small watercrafts such as boats, jet ski and small sail boats or small power boats with less than 25 per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10% of property coverage. Check with your insurance representative to find out if your boat is covered and what the limits are

For other boats, you will need to purchase separate boat insurance. The size, type, value of the watercraft and the water in which you use it factor into how much you will pay for boat and watercraft insurance coverage.

Personal Watercraft Insurance

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft insurance policy to protect you and your water vehicles such as jet skis in the event of an accident.

The personal boat and watercraft policy covers:

• bodily injury
• quest passenger liability
• medical payments
• theft

Liability limits start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories. Please contact us about the type of coverage that would best suit your needs.

Insurance coverages to consider:

• Liability
• Physical Damage
• Theft
• Medical Payments
• Motor Coverage
• Trailer Coverage
• Boat Covers
• Docking Fenders
• Communications Devices

Remember, since every boat is unique please make sure you check with us to see if you need any additional watercraft insurance coverages or would be eligible for additional discounts.

Brock Insurance is an insurance agent for the following insurance companies

• 
• 
• 
• 
• 
• 
•