Boat Insurance Policies Tailored to Your Needs

Yacht: Boat Insurance

Everything is better on a boat! To help protect this wonderful investment, you need the right insurance coverage. You need boat insurance to protect yourself should become injured or if your boat is damaged or stolen. You also need boat insurance to cover property damage or injury to others caused by you and/and other household members as a result of operating your watercraft. Boat insurance protects you should any of these situations occur.

Boat insurance policies include protection against damage to your boat, motors, trailers and equipment and cover you against physical injury to others caused by you or others on your boat.

CoSaint offers Boat insurance in South Carolina, North Carolina, Ohio and Kentucky. CoSaint will work with you to assure you have the appropriate amount coverage at the right price. As an Independent Insurance Agency, we will get quotes from leading insurance companies to help you select the most effective and affordable coverage possible. We will then walk you through your options and help you identify additional savings. You can ride comfortably in your RV knowing CoSaint is with you every step of the way.

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Boat & Marine Vehicle Insurance Coverage Options

There are many different coverage options to consider when evaluating boat insurance. Let’s take a closer look at some of these options.

Liability Coverage

Liability coverage provides coverage to other boaters in the event you are considered at-fault for an accident on the water. This coverage will pay for their medical care, lost wages, and other costs incurred as a result of a boating accident in which you are at-fault.

Medical Payments

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available in various amounts and covers you, your passengers, and even your water skiers/tubers.

Physical Damage Coverage

Physical damage coverage pays for the cost to repair or replace your watercraft, the motor and any permanently attached equipment. This coverage can pay for the trailer if it is stolen or damaged as well.

Uninsured / Underinsured Watercraft Bodily Injury Coverage

Since boat insurance is not always mandatory, many boaters choose not to get insurance (or not have enough coverage). If you are hit by an uninsured or underinsured boater and you are injured, this coverage will pay 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 owner, you are required by law to have this cleaned up and made safe for others. This coverage protects against these situations. This process can be time consuming and expensive, so this coverage is definitely worth consideration.

Personal Effects Coverage

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by carrier and by state, so check with your CoSaint agent to understand the coverage that is best for you.

Unattached Equipment Coverage

This coverage pays to repair or replace equipment that is not 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

The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.