Boat insurance policies have the potential to offer a wide variety of coverage options that offer protection if you own/operate a boat or watercraft. If you are a boat owner in the greater San Antonio, TX area, the insurance professionals at Shavano Insurance Agency LLC can help you find the most suitable insurance coverage for your watercraft.
Boat Insurance Coverage Options
Coverage for boats will vary, depending on the policy and your boating insurance needs, but typically includes:
Physical Damage to the Boat
If damaged by a covered peril, this portion of the policy covers the expenses related to repairs or replacement.
Liability
If the insured, while operating the boat, causes property damage/bodily injury to another individual, it may cover medical expenses, legal fees, etc.
Medical Payments
Regardless of who may be at fault, this covers medical costs for you and your passengers if injured on the boat.
Uninsured/Underinsured Boater
This helps cover expenses if a party to the accident is underinsured/uninsured.
Personal Property
Personal property on the boat – fishing gear or electronics, etc. that is damaged or lost may be covered.
Other optional riders/coverage includes –
- Towing and Emergency Assistance
- Wreck Removal
- Fuel Spill Liability, and more.
Note that some policies might establish navigation limits – parameters that define where you can operate the watercraft. Extending past these limits might impact coverage.
Schedule A Consultation Today!
Keep in mind boat insurance varies widely, so it is essential to review your boat insurance policy terms and discuss your specific insurance needs with a licensed provider to ensure that you have the right coverage for your boat and your boating activities. Contact Shavano Insurance Agency LLC serving the greater San Antonio, TX area.
