BOAT INSURANCE

Wherever you go, we're on board The following coverage options are available with your providers pleasure boat owners policy: Physical damage coverage You have several options for covering total losses: actual cash value, replacement cost, or agreed value coverage for your boat, motor, trolling motor, trailer, and permanent and portable boating equipment (subject to certain limitations). Partial losses are not subject to depreciation, except batteries, sails, plastic and canvas coverings, outdrive units and outboard motors more than five years old, and personal watercraft. Coverage for fishing equipment, such as rods, reels, lures, tackle boxes and electronic gear, is available separately. Medical payments Medical payments coverage may pay for reasonable and necessary medical expenses for you and your passengers caused by an accident in the insured boat/watercraft. Liability to others and the environment Optional liability coverage may provide "third party" coverage arising out of the use of owned and non-owned boats. Pollution liability coverage pays for unintentional oil or fuel spills that result in bodily injury or property damage and for which the insured becomes legally responsible because of an accident arising out of the ownership, maintenance, or use of the insured watercraft. Uninsured boaters Coverage protects against bodily injury to you or other boat occupants due to an accident caused by an uninsured boater. Rental reimbursement Coverage to reimburse you (up to your policy limit) for a rental boat if your boat is disabled for more than 24 hours due to a covered loss. Fishing equipment Protection for rods, reels, lures, tackle boxes, and electronic gear. On-water towing and labor Coverage to help pay for towing a disabled boat back to dry land. Roadside emergency service Coverage to pay for towing and labor for covered emergencies.