Responsive Insurance can help make your time on the water relaxed and worry-free! We can help you find insurance that helps protect yourself, your friends and family, your watercraft and your boating equipment. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.
Naples, Florida – Do you know what to look for in a watercraft insurance policy?
Responsive Insurance can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at (239) 596-3177 to get started. Here are some items you’ll need to consider when shopping for boat insurance in Southwest Florida.
• Navigational Area:
Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
• Agreed Value Coverage:
Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
• Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage can pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
• Medical Payments
Medical payments coverage can pay for the cost of needed care that is the result of a boating accident. This coverage is available at various limits and can cover you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
• Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
• Uninsured/Underinsured Watercraft Bodily Injury
Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
• Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
• Personal Effects
Your policy can provide coverage for many personal effects like scuba/snorkeling equipment, other sporting equipment, and fishing equipment. Check with Responsive Insurance for information.
• Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
• Emergency Assistance
This coverage can provide for on water towing, labor, delivery of gas or oil, or loaned battery if the watercraft is disabled while on the water. Every need is unique – contact Responsive Insurance today to find out how to get the right boat and watercraft insurance coverage for your specific needs.
