What Does Boat and Watercraft Insurance Cover?

You just bought a boat and or other type of watercraft, such as a jet ski, and you want to be able to enjoy your new toy without a care in the world. Our agents at Focus Insurance, serving the Eureka, MO area, can help you out by ensuring you have an appropriate amount of boat and watercraft insurance to protect your investment while also providing you with great peace of mind.

What Does Boat and Watercraft Insurance Cover?

This type of insurance policy is considered to be a specialized policy that is designed to provide protection and coverage if you have an accident while out on the water. It can help you deal with damages or injuries caused by an accident you could have on your boat or other watercraft.

Boat insurance also covers physical damage to your boat or other watercraft if damaged by a storm, accident, fire, vandalism, theft, or other horrible incidents. This coverage will help you repair or replace your boat or watercraft so you can recover financially and be back out on the water in no time at all.

Uninsured/Underinsured Boater Coverage is essential in case you happen to have an accident involving an uninsured or underinsured boat owner. This type of policy will help you pay for damages or injuries that the other party would have customarily been responsible for if they had a sufficient amount of insurance.

Personal property coverage will come in handy if something happens to your boat and your personal belongings are lost or damaged on board. Examples of these items include electronics, personal items, and fishing gear.

You can also include in your policy towing and assistance so that if your boat or jet ski breaks down while you are out on the water, you can get emergency assistance and have your watercraft towed back to safety. Your policy can also include wreck removal, which means if your boat unfortunately sinks into the water or becomes stranded, the wreckage can be removed to prevent any environmental damage.

Contact Fous Insurance in Eureka, MO

To create the best boat or watercraft insurance policy for you and your situation, contact our agents today at Focus Insurance, serving the Eureka, MO, area!