Watercraft Insurance

Whether on land or water, we will be there to help you stay afloat.

Watercraft mishaps can and do happen. We realize that the many different types of watercraft require different types of coverage, so no matter what type of toy you prefer to take out on the water, we have the type of coverage to keep you protected.

This type of coverage can insure against both physical damage and liability. Liability includes:

Bodily injury – for injuries caused to another person
Property damage – for damage caused to someone else’s property
Guest passenger liability – for any legal expenses incurred by someone using the boat with the owner’s permission
Medical payments – for injuries to the boat owner and other passengers
Theft

This type of coverage can insure against both physical damage and liability. Liability includes:

Bodily injury – for injuries caused to another person
Property damage – for damage caused to someone else’s property
Guest passenger liability – for any legal expenses incurred by someone using the boat with the owner’s permission
Medical payments – for injuries to the boat owner and other passengers
Theft

Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home, and car.

Boaters should also inquire about special equipment kept on the boat, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.

Boat owners should also inquire about discounts including:

Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode
Coast Guard-approved fire extinguishers
Ship-to-shore radios
Two years of claims-free experience
Multi-policies with the same insurer, such as a car, home, or umbrella policy
Safety education courses, such as those offered by the Coast Guard Auxiliary, U.S. Power Squadrons, or the American Red Cross

Boating Safety Course requirements vary from state to state.

BEYOND INSURANCE

See if J.G. Elliott is right for you.

Get A Quote

Other Motorized Vehicles Insurance Links

Motorcycle

Driving without basic auto insurance is illegal in almost all states. Basic Auto Insurance not only protects you financially, it is considered a social responsibility. Driving without it or the ability to pay for the damages you cause in an accident puts others at financial risk.

Watercraft

This type of coverage can insure against both physical damage and liability. Liability includes bodily injury, property damage, guest passenger, medical payments and theft.

Recreational Vehicle

When considering recreational vehicles, you should be aware that this broad category of vehicles is composed of different types. They vary from unpowered units that are towed behind vehicles, units that are attached to motorized units (pick-up trucks), and self-powered units.

Antique Auto

Getting the right antique or classic car insurance is an important part of protecting your investment. We understand this is not just a car to you. It is your time machine, your memory scrapbook, it’s your hobby, your passion, your refuge, and your joy. Insuring a special interest collector car or truck has special considerations.

Beyond Insurance.

Frequently people go for years without reviewing their insurance program, even though life quickly changes. By answering a few questions, you can have the peace of mind knowing that your family and possessions are protected.