Colorado, Arizona, & California Watercraft / Boat Insurance

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Things to Consider

We know that boats come in every size, shape, and style to fit your love of the water. For many of our customers, their watercraft is one of their most important assets. We understand the importance of working together to design a boat insurance policy that fits your lifestyle and your personal watercraft perfectly.

When you’re out on the waterways, there’s always a chance that something might go wrong. We hope it doesn’t, but the most important thing you can do is make sure you’re covered if something does go wrong.

Medical Payments Coverage

Medical coverage typically helps take care of eligible medical expenses as defined in your policy. The limit you choose for this coverage will decide how much coverage you will have.

Physical Damage Coverage

When something goes wrong, good boat insurance coverage can mean all the difference in the world. It can be the difference between sinking and surviving. This optional coverage is typically designed to take care of your boat, motor, and trailer all the time. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible, the amount you would pay on a claim before your policy kicks in.

Liability Coverage

If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. Unfortunately, sometimes it only takes a minute to turn a good day into a bad one. And when the unexpected happens, liability coverage typically makes a big difference. It’s an important part of your watercraft policy.

If you plan to spend time on the water, you need to plan for the unexpected. Enjoy your time on the boat, but protect what you’ve worked hard to get by including adequate Liability Coverage. If you or someone else in your household has a boating accident that injures someone else (including a swimmer or water skier) or damages someone else’s watercraft or dock, you’ll feel better knowing that you have coverage in place to help manage the situation. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available and how to get the maximum personalized protection you need. Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help.

Call one of our agents today to check our competitive rates and eligibility. Our expert agents will be happy to answer your questions and help you design a policy that fits all your needs.

You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free Boat Rate Quote? It’s as easy as 1-2-3. Happy boating!