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Boatowner's Insurance

  • Boat Owner's Insurance

    Boatowners insurance provides protection for you against a financial loss caused by owning or operating a boat or personal watercraft.Boatowners insurance is a package plicy, which includes damage to your property and liability for injuries or property damage caused to other people.
    Boat insurance consists of the following standard coverage parts:



    Boat Owner's Insurance Tom Collins

    Physical Damage (Comprehensive and Collision)

    Covers physical loss or damage for the watercraft including permanent equipment.


    Liability

    Pays for damages to another person and/or property for which you are legally liable as a result of an accident.


  • The following policy enhancements are available from most companies:

    • Replacement Cost (available for new boats)
    • Agreed Value

    Available Discounts

    • Safety Course
    • Multi-Boat
    • Multi-Policy

    • Medical Payments

    Provides coverage for injuries to the insured and other passengers.

    Uninsured/Underinsured Boater Coverage

    Pays damages due by law to you from the owner or operator of an uninsured/underinsured watercraft because of bodily injury suffered by you.