Watercraft & Boat Insurance
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Watercraft & Boat Insurance Information
Many people enjoy spending warm summer days on the water with their boats and watercraft. Whether it’s fishing, waterskiing or tubing with friends, ensuring you have the proper protection is essential for having fun safely.
What Is Boat and Watercraft Insurance?
Boat and watercraft insurance are two different types of insurance policies. Boat insurance covers your motorized boat and is similar to auto insurance, explained below. On the other hand, watercraft insurance is for the specific equipment used for water activities. We have also detailed the specifics of this coverage on this page. If you have any questions on either type of coverage, please let us know.
What Coverage Can I Get for My Boat?
Canoes and other un-motorized boats are usually covered under the personal property portion of a homeowners insurance policy. But more elaborate, faster boats may require separate boatowner’s insurance. This insurance can protect your boat, motor, equipment and passengers.
Boat insurance has similar coverage to auto insurance. A boat policy can include:
Personal liability—Offers protection for legal liability. Up to your policy’s limit, it pays the legal obligations imposed upon you due to an accident resulting from your watercraft’s ownership, maintenance, or use, including bodily injury, property damage, and legal defense.
Medical payments may pay medical expenses up to the limits in the policy, including the insured’s boating-related medical expenses from an accident arising out of the ownership, maintenance or use of the boat.
Physical damage—This insures your boat, motor, boat trailer, boat equipment (e.g., anchors, oars, fuel tanks, life jackets, dinghies, tools) and other personal property against theft, accidental loss or damages.
What Coverage Can I Get for My Watercraft?
Your personal watercraft requires specific personal watercraft coverage (PWC). This insurance is for motorized personal watercraft used for recreation, such as waterskiing, kneeboarding or tubing. Your PWC may also include water sports liability coverage, including:
Guest passenger liability
Property damage to items, such as docks, other PWCs or boats
Theft of your PWC
We Can Help
Your boat or watercraft insurance cost will depend on your specific boat or personal watercraft, its use, your desired type of coverage, and if you want any additional coverage. The Bob Putnam Agency can help you obtain suitable coverage. Call us today at 607-397-1999 to get the insurance you need to ensure you’re protected. We help customers all over New York state, including Worcester, Cooperstown, Binghamton and Cobleskill.