Boat and personal watercraft insurance policies provide boaters with specialized coverage designed for?their boat or personal watercraft. Insurance options range from personal effects replacement to fuel spill coverage, which means you can relax on the water knowing you?re protected.
Watercraft insurance protects several kinds of boats and PWCs, which means watercraft insurance policies can differ based on what you have. Here are a few tips to help you find the right boat or watercraft insurance:
Look beyond your homeowners policy.
Your boat or personal watercraft may be too big or too expensive to be covered through a homeowners policy, which means you may need watercraft insurance to protect it.? Even if your boat is eligible for watercraft insurance coverage under your homeowners policy, you still may want specialized coverages that you just can?t get with a standard homeowners policy.
Consider specialized coverages.
Watercraft insurance coverages go beyond the scope of a standard homeowners policy to include Roadside Assistance, which covers towing of your boat or personal watercraft for free, as long as your trailer is covered; On-Water Towing, in case you?re stranded on the water; and Uninsured Boaters coverage. Fuel Spill Liability and Wreckage Removal coverage is also offered with various insurance companies. Without these watercraft insurance coverages, you may end up getting stuck with the bill for cleanups and removals. Personal Effects and Fishing Equipment coverages are also available.
If you travel, make sure your watercraft insurance coverages go with you.
Some insurance companies limit where you can go with your watercraft and still be covered, or they charge you extra if you travel.?Be sure to check with the individual insurance companies as to their travel restrictions.
Think about replacement costs.
Boats and personal watercraft depreciate just like cars do. A homeowners policy will only pay you actual cash value for your boat or personal watercraft, which could make it difficult to replace if it?s destroyed. Some insurance companies offer?total loss replacement.? Again, be sure to check with each individual insurance company as to their coverages and what they have to offer for your personal needs.
Source: http://gnagency.com/blog/2012/07/insurance-coverage-for-boat-and-personal-watercraft/
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