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  • AZ Insurance Team

Do I need boat insurance?

Updated: Aug 1, 2020

Even though all but a few states require boaters to pass a boating safety course, most states don’t require boat insurance. Although Arizona and California don’t require boat insurance, that doesn’t mean you should go without it.

Even if you aren’t concerned about theft or damage to your boat or its contents, you are still exposed to liability risks. Without enough liability coverage, you put your passengers' and your own life savings at risk.

What can boat insurance cover?

Boat insurance policies can be customized to cover your boat, your passengers, your personal possessions and yourself. Boat coverage options include:

  • Bodily injury liability, which can help pay for injuries to others from a covered accident if you are found to be legally liable. You will be covered from any lawsuit that arises from a covered loss.

  • Property damage liability, which can help pay for property damage to others from a accident if you are found to be legally liable. This coverage also pays up to the limits of your liability coverage for fuel spills that result in property damage.

  • Medical payments, which may cover medical expenses caused by an accident incurred while on, boarding, leaving or being towed behind an insured watercraft – regardless of who is at fault.

  • Uninsured/underinsured boaters property damage, which may cover damages to your watercraft caused by an uninsured/underinsured boater, or a hit-and-run boater.

  • Collision, which can pay for damage to your watercraft if you hit another watercraft or object, another watercraft hits you, or your watercraft rolls over.

  • Comprehensive, which can help pay for damage to your watercraft from vandalism, theft, weather events and accidents involving animals.

  • Personal effects, which can provide coverage for the loss of, or damage to, personal property while on board your watercraft, or while being carried on or off. Boat hoists and lifts may also be covered.

  • Fishing equipment, which protects fishing gear and equipment used in the legal sport of fishing. Items include, but are not limited to, rods, reels, lures, tackle boxes and electronic gear used to locate fish.

  • Roadside assistance, which provides towing to your nearestrepair facility. It may also provide necessary labor at the time and place of disablement when the tow vehicle or watercraft trailer is disabled while transporting your insured watercraft.

Get started on a boat insurance policy quote for yourself today so you can sail the seas with ease.

AZ Insurance Team 480-535-5709

*All policies are a little different and this may not be applicable to your insurance policy, talk to your agent to see what your policy covers.

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