Boat/Watercraft Insurance

Boat/watercraft insurance is a special type of insurance that covers a personal watercraft, sailboat, or motorboat in case of an accident, theft, or damage caused by covered perils, such as lightning or fire. Usually, a standard boat insurance policy covers the following parts: furnishings, permanently attached parts or equipment, fittings, and machinery. Keep reading this article if you want to know more details about this type of insurance:

What Exactly Does Boat Insurance Cover?

Typically, the following types of coverage are included in a standard boat insurance policy:

• Boat insurance coverage. It protects your boat or personal watercraft from certain risks. It may also pay for your boat replacement if it is stolen.
• Liability coverage. This coverage helps pay for expenses if you cause an accident leading to damage to another person's property.
• Uninsured boat/watercraft coverage. If an uninsured boat or watercraft collides with your boat, injuring you or your passengers, your insurance will pay for the resulting costs.

You can also add additional types of coverage, including towing coverage, boat trailers coverage, special equipment coverage, etc.

What Does Affect the Cost of Boat/Watercraft Insurance?

The cost of your boat/watercraft insurance depends on certain factors that need to be taken into consideration:

• The deductible
• The type and size of your boat or watercraft
• Storage type and location
• Where and how often you use your boat

There are also certain boat insurance discounts you may be qualified for. You can ask about them with your insurance agent.

Matt Montowski - Reliable and Trustworthy Insurance Company in Ohio

Are you a lucky boat or watercraft owner living in Ohio? Are you looking for boat/watercraft insurance to protect your precious possession and yourself? Matt Montowski specializes in different types of insurance, including boat/watercraft insurance. Our agents are experienced and knowledgeable professionals who will help you find an insurance policy based on your insurance needs and personal requirements. You can visit our office for more information or give us a call.