Boat & Watercraft Insurance
Let us help you make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment.
Here are some items you’ll need to consider when shopping for Arizona boat insurance.
Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline.
Agreed Value Coverage
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, less the deductible.
Bodily Injury Coverage
Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
Medical Payments Coverage
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available for you and your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment. You and also insure your trailer if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily Injury Coverage
If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Your policy can provide coverage for many personal items, including clothing, cells phones.
Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat.
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
There are many ways to save on boat insurance some of them are original owner, homeowner, multi policy, transfer discounts, claims free, multi policy and responsible driver discounts. If you’ve take an approved safety course let us know you would qualify for an additional discount.
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