“The best day of your life is the day you buy your boat. The second best day is the day you sell it…” That said, we’re here to help you insure your boat between those two days. If you own a boat, you’ll need boat insurance. Surprisingly, in Pennsylvania, New Jersey, and Delaware, boat insurance is not a legal requirement, but if you own a boat or other watercraft, you’ll want to keep it protected. Many marinas will require proof of financial responsibility and liability insurance before you’re permitted to enter into a mooring contract. In addition, boat insurance protects you from liability should you cause an accident. In short, if you have a boat, you’ll want boat insurance.
Boat Insurance Terms and Coverage Factors
Boat insurance is similar to auto insurance, and as such, the terms and coverages are similar.
Property Coverage Similar to auto insurance, this covers damages to your boat and personal property.
Liability This coverage pays for other property damage caused by your boat. This typically includes not just damages caused by hitting someone or something, but also damages caused by things like a large wake which causes damage.
Medical Medical coverage pays medical bills incurred as a result of you or your passengers being injured in an accident with your watercraft.
Uninsured or Underinsured Coverage Like auto coverage, this part of your policy covers you in the case that another boat owner causes damage to you and has no insurance or inadequate coverage.
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