Watercraft & Boat Insurance
Watercraft & Boat Insurance Quote Forms
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Watercraft & Boat Insurance Information
Serving Missouri, Illinois, Ohio, Indiana & Wisconsin
Owning a boat can be a big responsibility. While you’re out on the water, many unforeseen accidents can occur at any given time. Additionally, damage can happen to your boat while it’s in storage for the winter season. Getting a boat insurance policy can help protect you from covering out-of-pocket expenses if an accident occurs.
What Is Boat Insurance?
Like many insurance policies, boat insurance works as an agreement between you and your insurer. In exchange for an insurance premium, your insurer will help you cover expenses following an accident, such as a collision, property damage or medical expenses. Generally, you will have to pay a deductible (a specified amount before you receive financial assistance) until your insurance policy kicks in to assist in covering accident-related costs.
What Does Boat Insurance Cover?
While options vary among boat owners, a typical boat insurance policy might include the following types of coverage:
Liability coverage helps cover expenses if your boat causes damage to another person’s property.
Medical payments coverage helps cover medical expenses if you or a passenger gets injured on your boat.
Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.
Additional coverage options may be available, so be sure to reach out to one of our agents for more information.
If you live near St. Peters, Missouri, we can help you out. The experienced agents at Cloverleaf Insurance are determined to assist you in learning about boat insurance policies so you can make the right decision on coverage for you and your boat.
Reach out to our agency today at 800-530-5822 to learn more about your coverage options.