Boat & Watercraft Insurance
Boat and watercraft insurance is critical to have if you own a boat. This is the best way to protect your investment. We offer coverage for boats and various types of watercrafts here at Hordis Family Agency in Pennsylvania, New Jersey, Delaware and Maryland. Boat insurance covers your boat if it sustains damage from a collision with another boat or from theft, vandalism, etc. Our agents can help you find a policy that meets your needs.
Boat & Watercraft Insurance Requirements
Boat insurance is not required in the state of Pennsylvania, New Jersey, Delaware and Maryland. However, your lender can make it mandatory if you finance your boat. Furthermore, marinas may request to see proof of insurance.
Boat & Watercraft Insurance Coverage
Here are various types of insurance coverage options for your boat:
- Medical payments: This covers the cost of care for your medical needs if you are injured in an accident. This will cover both you and your passengers regardless of fault.
- Physical damage: This covers the cost of repairing or replacing your boat if anything permanently affixed to it becomes damaged or stolen.
- Uninsured Coverage: This covers you if you get into an accident with an uninsured boater and are injured. This will cover your lost wages and medical expenses.
- Personal Contents: This covers your personal belongings, including jewelry, clothing, cell phones, and more, if damaged or stolen.
- Unattached equipment: This covers items not permanently affixed to your boat, including water skis, fire extinguishers, tarps, and more.
- Emergency assistance: This covers labor and delivery costs if your boat needs to be towed after an accident or a breakdown.