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A Short Guide to Boat Insurance

You probably don’t need coverage if you have a slow, small, inexpensive boat, otherwise, you should look into a boat insurance policy. Even if you have a homeowner’s insurance policy that covers your boat, it probably doesn’t offer much coverage. It’s common for a homeowner’s policy to only cover $1,000 or up to 10% of your home’s insured value. If you have a personal watercraft, jet boat, large sailboat, a yacht, or any type of boat that goes faster than 25 miles per hour, you should consider reaching out to The Smith Insurance Group, Inc., which serves the Sandy, UT area, to discuss your options for boat insurance.

What Does Boat Insurance Cover?

Liability coverage offers financial protection if your boat causes damages to others. According to the Insurance Information Institute, coverage amounts usually range from $15,000 to $300,000.

A boat insurance policy usually covers the following:

There are some things that a boat insurance policy won’t cover. Don’t expect your policy to pay for the following:

For more information about creating a boat insurance policy that meets your needs, call The Smith Insurance Group, Inc. An insurance company serving the Sandy, UT area. We also provide policies for Idaho, Arizona, Nevada, and Montana.

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