When the weather turns warm and the day is clear, you imagine being out on the water. Whether you enjoy the relaxation of a leisure sail on Lake Champlain, take the family out for weekend fishing, or crave the agility of a jet ski, you need to be ready for the unexpected. Our agency specializes in writing insurance policies for boaters. We can tailor a Vermont Watercraft Insurance policy to protect your water vehicle, you and your passengers in the event of a loss.
A watercraft insurance policy can offer optional fishing equipment coverage to help pay for damage to fishing equipment while on your boat or when carried onto or off of your boat. You can also purchase the personal effects coverage as replacement cost for damage or loss of your personal property while on your boat or being carried onto or off of your boat.
Vermont Watercraft Insurance Coverage
Liability Coverage – pays for injuries and property damage to others as a result of a covered loss in which you are legally liable. Some policies will include fuel spill liability.
Uninsured & Underinsured Coverage – covers you and passengers of your boat for damages and bodily injury resulting in a loss involving an uninsured or underinsured boater or a hit-and-run boating incident.
Medical Payments – coverage for medical treatment to you and passengers of your boat.
Collision Coverage – covers damages to your boat, motor, and trailer as a result of a covered collision with another boat or object. Some policies will include wreckage removal.
Comprehensive Coverage – covers damages to your boat, motor, and trailer as a result of an other than collision loss, such as fire, theft and storm damage. Some policies will include wreckage removal.
On-Water Towing and Labor Coverage – In the event your boat becomes disabled on the water, this option will pay for towing and other emergency services up to the limit specified on the policy.
Before you set sail for a 3 hour cruise, we invite you to consult with one of our personal insurance specialists about watercraft insurance for your vessel.
