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Boat / Jet Ski Insurance
When you’re entertaining family and friends on the water, the last things that are on your mind are liability and risk. But they do exist. At Haylor, Freyer & Coon, we realize how important your boat is to you and how much fun you have because of it. Our affordable and comprehensive policies give you the peace of mind knowing you’re covered.
So go ahead, take your boat or jet ski out and enjoy the sun, sand, and waves. We have them – and everyone on board – covered.
A Basic Boat Liability Insurance Policy May Include:
Property Damage Liability Coverage – Coverage that may help cover the costs of repairing or replacing another person’s boat or property after you damage it in an accident.
Bodily Injury Liability Coverage – Coverage that may help cover the costs of medical bills and other related costs after someone in injured in a boating accident that you caused.
Reasons We Recommend Supplemental Coverage
Personal Property Coverage – Coverage for loss or damage to your personal items on the boat.
Physical Damage Coverage – Coverage for your boat in the event of a collision with another boat or unseen submerged object.
Towing Assistance Reimbursement – Covers boat services such as gas delivery, stranding, roadside assistance, and transporting your boat to a repair facility.
Boat Coverage Basics
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.
Boat Insurance –
Frequently Asked Questions
Is boat insurance required?
Boat insurance can be required by your state and even marinas in order to dock your boat there. Additionally, if you bought the boat through a lender, they may require that you purchase insurance to cover the loan.
What kind of boats need boat insurance?
Watercraft with motors, such as fishing boats, pontoons, lesiure watercrafts, and yachts should all be covered with a boat insurance policy. Boat insurance is usually not designated for canoes, paddle boats, kayaks, or personal watercrafts such as wave runners or jet skis. For covering these items, you would need recreational vehicle insurance.
Is my boat covered while being transported on a trailer?
Coverage during overland transport varies carrier to carrier. Location from the home port, weight capacity of the transporting trailer, and who owns the transporting trailer are all factors in whether or not the boat would be covered during transporting. Speak with your advisor transportation specifics.
Do I need boat insurance if it’s off-season?
Generally year-round boat coverage is optional, althought it is highly recommended for a number of reasons. If you have a lease on your boat, you may required to keep the insurance year-round.
Find out how you can benefit from Haylor’s wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!
The dedication of the Haylor, Freyer, & Coon staff are of the best we have had in the over 32 years I have been with the town. They are thorough and respond in a timely manner. Our salesperson always makes...... Read More »
-Ed Fairbrother, Town of Big Flats Town Supervisor