| Boats Most companies provide limited
coverage for property damage for small boats such
as canoes and small sail boats or small power
boats with less than 25 per hour horse power
under a homeowners or renters insurance policy.
Coverage is usually about $1,000 or 10% of
property coverage. Check with us to find out if
your boat is covered and what the limits
are. You don't want to get a surprise AFTER
you've had an accident on the water.
For larger boats, you will
need to purchase separate insurance. The size,
type, value of the craft and the water in which
you use it factor into how much you will pay for
insurance coverage. And, don't forget to
include coverage for special items such as the
trailer used to haul the boat
Jet Skis
Waverunners, jet skis and
other personal watercraft have been gaining
popularity over their cousin the boat in the last
few years. But, like boats, personal watercrafts
require insurance and safety know-how.
Home and auto insurance may
provide limited coverage for water vehicles, but
some companies specifically exclude them. Be sure
to talk to us about coverage BEFORE you buy a jet
ski. And, if you do decide to make a purchase,
you may want to consider a personal watercraft
policy to protect you and your water vehicle in
the event of an accident.
The personal watercraft
policy covers:
- bodily injury
- property damage
- guest passenger
liability
- medical payments
- theft
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