A boat can be a large investment and many factors play into insuring a boat. It is important to evaluate your needs while choosing the proper policy. This process can be more complex than insuring your auto or your home.
Boat policies take into account marine-specific risks where auto and home policies do not, such as on water towing, removal of wreckage from the water, any fuel spillage and loss of fishing gear. It is important to discuss your options with a knowledgeable insurance agent to customize what coverage is beneficial to your particular needs.
Steer away from insurance companies recommending boat coverage add-ons to your existing auto or homeowners policy. The premium will obviously look impressive but be aware of the fine print. A policy designed specifically for your boat is much more beneficial.
Inquire with your agent regarding “All Risk” policies. They are recommended for providing coverage for all types of losses. All policies include exclusions such as wear, tear, defects in design, ice, freezing and gradual deterioration.
Jet Ski Insurance
Whether your preference is a Sea Doo, Yamaha, Wave Runner, Kawasaki or Honda, there is nothing better than being on the water on a sunny day.
To protect you and your family while enjoying the fun, make sure you have the appropriate personal watercraft insurance coverage for your needs. You should take into account premiums, insurance deductibles and liability coverage to get the most protection from your policy.
Unexpected events beyond your control can leave you and your family with a financial hardship if you are found to be legally liable for an accident that results in injury, death or property damage.
The following are suggested coverages:
You can be held liable for damaged property or personal injury to both non-family and family members, if an accident occurs.
Protects your Jet Ski from damage resulting from fire, theft and most other perils, plus adds collision coverage for accidental damage.
Provides bodily injury protection to you if an uninsured boater collides with your Jet Ski.
Up to $5,000 in medical expense coverage is available for boating injuries.
Included on all policies, protects you for liability accidents while pulling people behind your watercraft.
GN Agency has been in business for 46 years and is knowledgeable in advising boaters of the best coverage and policy for you. Harry I. Norton, owner, has 51 years experience in the business and has seen it all. He has several outlets that provide stand-alone policies for watercraft only or coupler policies with auto and home for additional discounts. Discounts can also be obtained by taking watercraft safety courses.
It is always best to talk to a live licensed agent as opposed to a 1-800 number. Contact Harry I. Norton at (716) 675-5700 (8:30 a.m. – 5:00 p.m.) to discuss your boat/watercraft insurance needs today. You may also Click Here to fill out a Quick Quote Form.