Boat/Watercraft Insurance
Do you own a sailboat, houseboat, pontoon boat, cruiser, motorboat, or other types of boat?
There are no laws in Kentucky that require boat owners to obtain insurance. However, marinas may request to see proof of insurance from you. Additionally, the lender may require you to obtain insurance if you have your boat financed.
Boat/Watercraft Insurance Coverage
Here are some ways that you can protect your boat or other watercraft:
- Liability coverage- If you are found at fault for an accident, liability will cover the other party’s medical costs and property damage that you caused. It will also cover your legal fees in the event you are sued.
- Physical damage- This will cover your repair or replacement expenses following an accident with your boat.
- Comprehensive- If your boat is damaged in a storm, vandalized, or stolen, this will cover your losses and damages.
- Property coverage- This will cover you if you need to replace new items following an accident that left your personal items unaccounted for.
- Fishing equipment- This is worth adding if you primarily use your boat for fishing only.
- Towing- If you are stranded in the middle of the water, this policy can help you.
- Medical payments- This will cover your medical and even funeral expenses for you and any passengers following an accident.
- Wreckage Removal
- Pollution
- Uninsured Boater
Quotes
To obtain a quote for boat insurance, give us a call here at Davis Insurance Group. We serve residents in numerous states. Let our agents help you in finding a personalized policy for you.