Boat Insurance

Out on your boat, you leave your cares behind. You don’t want to worry about what would happen if your boat was involved in an accident. Boat insurance protects you against accidents, vandalism, and insures you against liability. That means smooth sailing!

What does boat insurance cover? Insurance needs differ depending on the type of boat or watercraft you own. Your policy will explain in detail what is covered and what is specifically excluded. But these coverages generally apply:

Protection From Physical Damage, Perils, and Liability

Most policies cover physical damage to the hull, sails, machinery, furniture, and most other equipment that is normally used on board. Most perils are covered including vandalism, malicious mischief, and even damage that results from latent defects of workmanship.

You are also insured against liability losses. You are covered for damage to another boat or dock, and for bodily injury or death to another person as a result of your negligent operation or ownership of the boat.

In the event that you, your guests or family are injured while on board, the policy provides payment for incidental medical expenses. The coverage also applies if someone is injured boarding or getting off your boat.

Under most policies, the boat trailer is covered against physical loss or damage from any external cause.

For more information or to start your policy today, contact our sales representatives at 1-866-351-MSIG(6744)