Watercraft & Boat Insurance
Watercraft & Boat Insurance Quote Forms
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Watercraft & Boat Insurance Information
Boating can be a thrilling adventure, but it comes with its own set of risks. Having reliable watercraft and boat insurance is essential for financial safety and peace of mind. At Epic One Insurance Group, we can help safeguard your vessel and your enjoyment on the water, ensuring you’re covered when you need it most.
What Is Boat Insurance and What Does It Cover?
Boat insurance can provide financial protection for your vessel and its passengers in case of accidents, damage or liability issues on the water. In exchange for you paying a premium, insurance can cover your losses according to the terms outlined in your policy.
Situations where you may need boat insurance include the following:
- Collisions with other boats or objects
- Damage from storms or inclement weather
- Theft or vandalism of the vessel
Coverage typically varies depending on the insurer and the policy of your choice. A boat insurance policy may include coverage for the following:
- Physical damage to the boat
- Liability for bodily injury or property damage
- Medical payments for injuries to the policyholder and passengers
- Theft and vandalism
- Emergency towing and assistance
How Does Boat Insurance Work?
Boat insurance works similarly to other types of insurance policies. You pay a premium to the insurance company in exchange for coverage. When you experience a covered loss, you file a claim with the insurer, who may then provide compensation based on the terms of your policy.
Boat insurance may be available for a variety of watercraft, but there are limitations. For instance, boats over a specific size (e.g., yachts) may require their own unique insurance. Additionally, boat insurance is generally not intended for houseboats. Houseboats often require additional coverage for their unique risks because the vessel serves as a dwelling and has increased liability exposure as a result.
Set Sail With Confidence
Protect your watercraft and peace of mind with Epic One Insurance Group’s reliable boat insurance coverage. Contact us today to learn more and get a quote tailored to your needs.
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