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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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What Exactly Does Boat Insurance Cover

Boat insurance is a special type of insurance that helps cover sailboats, personal watercraft, or motorboats if they are stolen or damaged by any covered perils, including lighting and fire. The purpose of boat insurance is also to help boat owners, who accidentally hurt or damage their property with their boats. Typically, a standard boat insurance policy covers the following parts of a boat: machinery, permanently attached equipment, hull, fittings, and furnishings. 

What Exactly Does Boat Insurance Cover?

Here is a list of coverages included in a standard boat insurance policy:

  • Boat insurance property coverage. It covers a boat itself and protects it from certain risks. It also covers your boat if it is stolen. It provides protection whether a boat is on water or land. 
  • Liability coverage. This coverage protects you as a boat or watercraft owner if you cause an accident that hurts someone or damages their property. 
  • Medical payment coverage. If, for example, you have passengers, and they get injured on your boat, this coverage will cover their medical expenses. 
  • Uninsured watercraft coverage. This coverage helps pay for the expenses if you get involved in an accident with an uninsured boat or watercraft. 

You may also want to consider getting additional coverage depending on your personal needs. For example, you can get coverage for the following components: 

  • Towing
  • Boat trailers
  • Special equipment 
  • Boat accessories

DePaulo Agency serving Scotia, NY – Your Safety Is Our Priority

If you are a boat or watercraft owner living in Scotia, NY or any other surrounding area, and you are looking for a trustworthy insurance agency that will help you get proper boat insurance, you should contact DePaulo Agency. We offer all types of insurance, including boat insurance as well. Feel free to contact us and schedule a free insurance review.