Watercraft insurance covers boats, yachts, and personal watercraft with at least 25 horsepower motors. It offers protection against physical loss or damage, theft, and towing expenses. Depending on the policy, it may also include liability coverage for bodily injury to others, guest passengers operating the boat, and medical expenses for the owner and their family. Depending on your vessel's size and policy specifics, additional liability coverage might be necessary.
The primary purpose of watercraft insurance is to provide liability coverage, which safeguards you in case either someone is hurt, or their property is damaged. It covers legal fees, medical expenses, and repair costs. Additionally, watercraft insurance protects against fire, accidents, and theft. Comprehensive policies cover all risks except those specifically excluded, such as wear and tear or freezing damage.
Customizable add-ons are available to tailor your insurance to your specific needs.
Regardless of the boating season length in your area, insurance providers consider the typical annual use of your location when calculating premiums. This means your boat remains protected year-round, whether at the dock or in storage. Policies cover vandalism, theft, sinking, and weather damage, which can occur anytime.
Boaters have specialized insurance needs, and our Insurance Agency can help you choose a policy that makes the most sense. We can outline various insurance options and answer any questions about the different types of boat insurance coverage.
For more information or to get started on your quote, contact our Insurance Agency at (541) 754-3010, or visit our website. We'll ensure the process is simple and straightforward!
