Boat Insurance
Most
companies provide limited coverage for property damage for small boats
such as canoes and small sail boats or small power boats with less than
25 per hour horse power under a homeowners or renters insurance policy.
Coverage is usually about $1,000 or 10% of property coverage. Check with
your insurance representative to find out if your boat is covered and
what the limits are.
For other boats, you will need to purchase separate insurance. The size,
type, value of the craft and the water in which you use it factor into
how much you will pay for insurance coverage.
Personal Watercraft
Home and auto insurance policies may provide limited coverage for
personal watercraft. Talk to your insurance representative about
coverage limits. You may want to consider purchasing a personal
watercraft policy to protect you and your water vehicle in the event of
an accident.
The personal watercraft policy covers:
1.
bodily injury
2.
property damage
3.
guest passenger liability
4.
medical payments
5.
theft
Liability limits start at $15,000 and can be increased to $300,000.
Typical policies include deductibles of $250 for property damage, $500
for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other
accessories. Please contact us about the type of coverage that would
best suit your needs.
Insurance coverage to consider:
1.
Liability
2.
Physical Damage
3.
Theft
4.
Medical Payments
5.
Motor Coverage
6.
Trailer Coverage
7.
Boat Covers
8.
Docking Fenders
9.
Communications Devices
Remember, since every boat is unique please make sure you check with us
to see if you need any additional coverage or would be eligible for
additional discounts.
Brier Payne Meade, Topeka – (785)
233-1717
Brier Payne Meade, Kansas City – (913) 402-9576
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