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Boat Insurance

Boat Insurance for Water Vehicles

People who own certain water vehicles, such as boats, should consider boat insurance. It’s important to note that vehicles such as jet skis are usually covered with boat insurance. On the other hand, paddle boats, canoes and kayaks usually are not covered. Boat insurance provides monetary support for damages that occur to a boat while on the water. It also covers some incidents that happen while the boat is on land.


If the boat driver gets into an accident or damages are done to the boat, then the driver files a claim for damages. The insurance company will assess the damages to determine if the claim is legit. When purchasing insurance, you can opt for several types of coverage. It all depends on how much you want to spend a month on the insurance.

Who Needs Boat Insurance?

Unlike auto insurance, boat insurance is not required by law. But that doesn’t mean boat insurance isn’t important. Anyone who owns a boat and paid a large sum of money for it should consider insurance. This is especially true if you spend a lot of time on the water. Boat damages can be costly, and you could get into an accident with another boat. You could end up paying huge out of pocket expenses if you don’t have insurance.


Medical coverage is for injuries that happen to you or others while on the boat. Property coverage pays for damages done to your boat, either in a collision or due to impact with a pier or buoy. Theft and vandalism coverage is available as well. Other coverage includes liability coverage, repair costs, emergency services, uninsured watercraft coverage and personal effect coverage.

Boat repairs can be a huge expense. On or off the water, a boat can receive damages. Boat insurance covers the majority of these costs.

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