What Does Boat Insurance Actually Cover?

At first glance, boat insurance policies can look very similar. Once you dig into the details, you will often find important differences. Many boat owners assume certain situations are covered, only to discover exclusions when they file a claim. Understanding what your boat insurance policy actually covers is important to help avoid costly surprises.

While coverage varies by insurer, below are some key coverages that can be found in boat insurance policies:

• Hull Coverage

• Liability Coverage

• Uninsured Boater Coverage

• Medical Payments Coverage

• Personal Property Coverage

• Loss due to Mechanical Failure

• Pollution Liability

• Salvage Expenses/Wreck Removal

• Theft

• Mechanical Breakdown Coverage

If you are not sure whether your current policy includes these coverages, give us a call. We are happy to discuss coverages and help make sure you have the protection you expect when you are out on the water.