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Motorboat Making WakeSpending time on the water can be fun, but knowing how to protect yourself from the many dangers that can arise is key. Having boat insurance can protect your vessel in the event of a natural disaster, accident or worse. There are many different components of boat insurance that meet both your needs and budget.

What Is Watercraft Danger?

Watercraft danger is anything that can cause harm to your boat on the open water. This could involve another boat, an accident involving water skis or jet skis, inadvertently hitting someone with your boat or your boat sustaining damage from floating debris.

How Can I Protect Myself From Watercraft Damage?

Getting an effective boat insurance policy is the first step in protecting your boat from watercraft danger. Options that are available include:
  • Bodily Injury Liability: This covers any harm you cause to another party during an accident on the water. There are instances where someone is swimming under the water and you do not see them, or other situations that inadvertently cause harm to others. This coverage helps with medical bills that you may ultimately be responsible for.
  • Property Damage Liability: This policy pays for any damages you cause to others' property on the water. Instances include hitting a jet ski or sideswiping a boat that you didn't see. Costs associated with these types of accidents can escalate quickly, and having protection in place makes a difference.
  • Physical Damage: This pays for boating accidents that may occur in the water. There are a number of instances that fall into this category. Having the protection you need can help protect you from sustaining huge losses.
All of these coverages can protect you from incidents that occur while on the water. There are additional add-ons that may be beneficial to you as well. By working with your insurance agent, you can determine your needs based on several factors — including how much you use your boat. Being prepared for any incident is key in keeping your finances safe from significant losses.

Is your boat covered? Call Cloverleaf Insurance at (800) 530-5822 for more information on Missouri boat insurance.
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