Investing in boat insurance is one of the best ways you can protect your boat from a variety of year-round damages. While some boaters prefer the most basic coverage, others choose more comprehensive coverage. Ask your agent about the following coverage options.

• Liability: Covers third party property damage or bodily injury in the event that you cause a boating accident. This may also cover legal fees and court settlements if you’re sued for damages.
• Physical damage: Covers damages to your boat following a collision with another boat, a pier, a buoy, a submerged object or other debris. This may also cover theft and vandalism losses.
•  Medical payments: Covers medical expenses for you and your passengers as needed, regardless of fault.
• Personal property: Covers the property you store on your boat, such as navigation devices, lifejackets, fishing equipment, clothing etc.
• Uninsured watercraft: Covers your losses in the event that an uninsured boater causes an accident. This may include property damage, bodily injury and lost wages while you recover.
• Towing and assistance: Covers the expense of towing your damaged boat, either in water or on land.
• Boat trailer: Covers damages to the trailer you use to transport your boat.

Your independent insurance agent can help you determine the best coverage options for your boat. Enjoy the water with the peace of mind that comes from knowing you’re protected.

We’ve got you covered. Call us for more information on boat insurance.