What does watercraft insurance cover?

This protects you and other people:

Liability – This coverage protects you from expenses related to bodily injury or property damage you or your watercraft cause in an accident.

Medical – This covers medical expenses for you and your passengers that result from a covered boating or water-skiing accident.

Uninsured/Underinsured Motorist – This pays for expenses associated with bodily injury to or death of an insured from an accident caused by an uninsured, underinsured or hit-and-run driver who is at fault.

These protect your watercraft and equipment:

Physical Damage – This coverage pays to repair or replace your watercraft, motor and trailer if it is damaged or stolen in a covered loss.

Unattached Equipment - This coverage pays for the cost of towing or emergency assistance on water.

Personal Effects - This coverage pays for clothing, scuba/snorkeling gear, fishing equipment and other personal property on board the vessel lost due to upset or collision.   

Discounts available:

Do you have an auto, home or renters policy? Have you taken a boating safety class and still have the certificate? Does your boat have a diesel engine? If you answered yes to any of the previous questions, you may be eligible for a multi-policy discount. Contact a Shattuck & Grummett agent today for details.

Other:

Did you know that your personal watercraft policy, in some situations, may provide coverage for non-owned water-craft that are of similar size to the personal watercraft insured on your policy?

Contact a Shattuck & Grummett agent today to find a watercraft insurance policy that will suit your coverage needs, as well as your budget.