Watercraft & Boat Insurance
Watercraft & Boat Insurance Quote Forms
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Watercraft & Boat Insurance Information
Kansas City Boat Insurance
Also Serving St. Louis, Springfield, Wichita & other areas in Missouri, Kansas, Oklahoma & Texas
"With great power comes great responsibility."
Boat owners understand the words of Spider-Man all too well. After all, while boaters have the power to cruise down the lake or river, and the freedom to bring family and friends along for the ride, they also have a monumental amount of responsibility. Regular upkeep is essential in helping boat owners protecting such as substantial commitment, but so is insurance. After all, there is plenty of danger on the open water, and Mother Nature can even throw in a few curveballs when the vessel is docked or housed on dry land.
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Why Do You Need Insurance For Your Boat Or Personal Watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.
Things To Consider And Questions To Ask Your Agent
Here are a few things to consider as you prepare for the discussion:
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.
The personal watercraft policy covers:
- bodily injury
- property damage
- guest passenger liability
- medical payments
Liability limits start at $15,000 and can be increased to $300,000.
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other accessories.
You should talk to your insurance representative about the type of coverage that would best suit your needs.