Boat Insurance Get A Quote Now

If you own a boat, you know the sport can be relaxing as well as adventuresome and dangerous.  The U.S. Coast Guard reports that there were 6,419 recreational boating accidents reported in 2001. A good portion of those accidents results in some kind of bodily injury.

A Boat policy safeguards your boat, boating equipment and accessories.  It also protects you with coverage for liability and medical payments. Boat insurance comes in different price ranges from the affordable to the expensive.  It is important for the boat owner to know the details about the policy.

Normally there are two coverage options for boat insurance.  A boat owner can choose between comprehensive coverage (all losses except those specifically excluded), or named perils coverage (losses specifically named in the policy) for the boat, trailer and accessories.

Liability coverage is required in most states.  It protects the boat owner if accidental injury occurs to another person in the water.  It also protects the boat owner if the owner gets injured by another boat or hits a rock or other object.

Watercraft medical payments coverage is also a mandatory coverage by most states. It provides medical expenses for the owner as well as to any occupant in the boat in case of a covered accident.

Pollution and wreckage removal coverage is strongly recommended.  This coverage will protect the boat owner in case the watercraft is wrecked or sinks, or if oil, gas or other pollutant is leaked into the lake, river or ocean.  The wreckage clearance or spillage clean up can be very expensive without this coverage.

Uninsured watercraft provides coverage for the replacement of the boat or any needed repairs for damage caused to the boat if hit by an uninsured watercraft.

Towing and assistance coverage is important for a boat owner to consider.  It provides coverage if the boat breaks down and can’t be driven while on the water or away from a safe harbor or if the trailer is disabled.

Some Money Saving Discounts for Boat Owners may include.

Multi Unit
Multi Policy
Renewal for Loyalty
Boating Safety Course
Safety Equipment
Higher Deductibles

For information go to: www.nysdmv.com/dmvfaqs.htm#BOATS

To register/title a boat, go to: www.nydmv.state.ny.us/forms/mv821b.pdf