Boat Insurance 101
If you're a boat enthusiast with some nice toys in your garage, or docked somewhere warm, you're playing with fire if you don't have boat insurance. Don't assume that your watercraft is covered under homeowners insurance, because in most cases, they aren't. In order to insure that you have appropriate insurance coverage for your boat you must fully understand all operational aspects and characteristics of your watercraft.
Who's Covered: It comes down the policy specifics, but in most cases, the policy will cover you, your spouse, or any other household member that have permission to ride the craft. The boat insurance policy will pay for bodily injury or other property damages caused by the watercraft.
Medical Payments: Coverage will pay for the cost of necessary medical treatment that results from an accident involving the watercraft.
Physical Damage: Boat insurance to cover the cost of repair to the watercraft if you are in a collision with another watercraft or object. Boat insurance also provides coverage in cases of theft, vandalism, or fire.
Uninsured Boater: This coverage pays for medical treatment that results from an accident with another watercraft that does not have boat insurance.
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