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Watercraft Insurance

Our Expertise Is Your Best Policy

If you're a watercraft owner, like us you'd rather be on the water than reading about insurance, so we'll try to make this brief:  Here are some things you should consider in choosing watercraft insurance. Your Watercraft insurance is designed to do two basic things: Protect your property Protect you from legal actions

Protecting Your Property

Insure To Value - It's important to protect your investment. Although power craft ("Pot Stinkers") and sailboats ("Rag Hangers") don't depreciate as fast as cars do, they do depreciate.

Broad Coverage – Obtain the broadest coverage. Not all policies are created equal. Some insurance companies policies offer limited protection. We take pride in ensuring that we arrange the best possible program to fit your individual circumstances.

Replacement Cost For Your Personal Property -  Watercraft Insurance policies are designed to replace your property as a result of loss or damage. The question is: if you're involved in an insurance claim, will you want your settlement based on the depreciated value, or the full replacement value? "New for old" coverage may be available for your watercraft.

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Protecting You From Legal Actions 

While operating your watercraft you need coverage for Personal Liability protection. You may unintentionally injury someone or their property as a result of your actions. Personal Liability coverage will protect you if it is determined you were responsible. In addition, even in the event of false accusations, the policy will provide for the cost of legal expenses in raising your defence. Of course the policy contains limitations and conditions as to the types of acts it will protect you for. For example, intentional or criminal acts are not covered. 

Watercraft policies may be either written as additional coverages under your residence policy or on a stand-alone policy. In either event, we will make arrangements to provide for Personal Liability protection. 

If you would like more information on obtaining Watercraft Insurance, please Contact Us.

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