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Pennsylvania Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance

Boat/Watercraft Insurance

Boat insurance is one of the oldest forms of insurance dating from the ancient sailors who knew better the dangers that come with the sea. Today, boat insurance is a typical coverage in Pennsylvania, just like auto insurance. However, boat insurance policies vary based on what they can and cannot cover. At Drazick Insurance, we recommend buying enough boat insurance before hitting the waters to protect yourself and other passengers on board.

Boat insurance basic coverages

If you have a small non-motor boat, you don't need to buy full boat insurance as your homeowner's insurance can provide adequate coverage. However, large motorized boats require sufficient protection, especially the speed boats. Typical boat insurance should cover the following:

  • Bodily injury
  • Physical loss or damage
  • Property damage
  • Medical payments
  • Theft
  • Boat accessories
  • Guest passenger liability
  • Loss of personal belongings
  • Towing

Depending on how you intend to use your boat, some coverages may be more important than others. Therefore, consult with your insurance company to help you identify which ones you should focus on and which ones to drop. For instance, if you rarely use your boat, there are few chances that you will need towing or boat accessories coverages.

Factors that affect boat insurance premiums in Pennsylvania

Insurance companies use a wide range of techniques to calculate insurance premiums. They use the information you provide to determine whether you are eligible for insurance or not. The information you provide raises various factors which your insurance company look at before making a decision. Some of these factors include:

  • Age of the boat
  • Type of boat
  • The value, size, and speed
  • The present condition of the boat
  • Whether there is an engine or not
  • Where you live
  • The number of owners
  • Where it will operate
  • How long it will be in the water
  • The experience level of the boater

Let Drazick Insurance help you get quality insurance for your boat. Call or visit us today!

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