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Boat Insurance

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Boat Insurance

Watercraft & Boat Insurance

What Does Boat Insurance Cover?

It’s important to have the right coverage that will protect you, your passengers and your boat or watercraft while you’re on the water. No matter what type of recreational boat you own, having watercraft insurance is essential. We offer coverage to protect all kinds of boats including:

  • Powerboats: Boats propelled by outboard or inboard engines.
  • Large Offshore Boats: Typically used to fish offshore in the Gulf of Mexico and beyond.
  • Pontoon boats: These use floats to stay above water and are generally used for fishing or cruising.
  • Personal watercraft (PWC): These are smaller watercrafts, such as jet-skis, meant for one to three people.
  • Sailboats: These use sails to move through the water.
  • Commercial Boats: Boats used for commercial purposes such as rentals, fishing, shrimping, or nature tours.

Why You Need Coverage For Your Boat

Boating liability insurance can  protect you financially in the event of injuries or property damage you cause to others while boating. Insurance can also cover your boat and your trailer if they are stolen or damaged. Additional coverage, such as uninsured and underinsured boater coverage, is available to give additional protection for you and your watercraft.

In addition, if your boat is financed your lender may require insurance to cover your watercraft.  An insurance policy can help protect you from unexpected losses from theft, damage, vandalism, fire, and accidents.  

There are different types of boat policies, including replacement cost, actual cash value, and agreed amount value. We can help you determine the best policy and coverage for your watercraft.  If you own a boat or are considering purchasing one, speak to one of Schoppe Insurance’s experienced agents to get insurance recommendations and pricing.

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