Boat Insurance Coverage Types
Watercraft medical payments coverage
Helps pay for medical costs if you or anyone on your watercraft is injured in a boating accident.
Watercraft liability coverage
This covers medical and other expenses of anyone injured, as well as the cost of repairing or replacing another person’s boat or property.
Covers the damage to your boat if you’re involved in an accident with another boat or something else, like a pier, buoy, dock, or water debris.
If your boat breaks down, this covers the cost of towing and labor, along with the cost of delivering fuel, oil, or a battery.
Covers the repair work done on your boat, motor, equipment, or trailer with no deduction for depreciation.
Uninsured watercraft coverage
If you’re in an accident with an uninsured boater, this helps pay for injuries that you, your family, or anyone else on your boat sustains.
Agreed value option
When you’re reimbursed for your boat’s value, you’ll be reimbursed for what it was worth at the start of the policy, regardless of the current market value.
Personal effect coverage
Covers your fishing equipment and other personal belongings left on a boat in the event they’re damaged, lost, or stolen.
Additional boat equipment
Covers boat accessories like anchors, life jackets, and navigation gear, up to the policy limits.
Reach out to our team.
Make sure you’re protected from life’s uncertainties. Whether you’re changing your career, starting a business, growing a family, raising children, or nearing retirement, The Bialke Agency has your back. Contact us today to discuss the right coverage for your life’s most important things.