Boat insurance is a must for any boaters or watercraft owners that spend time out on the water. Much like insurance for your car, watercraft insurance helps protect your boat, jet-ski, and other watercraft while you are out on the water. The agents with Luft Insurance are ready and waiting to help you find the watercraft policy that is going to do the most for you.
It is always helpful with any sort of insurance to get a basic idea of what it covers before you purchase a policy. Watercraft or boat insurance namely covers any damages that occur to your boat, within reason of course, while you are on the water. This might mean if you run aground and your boat is damaged, if you run into another boater or into another watercraft, if you hit a buoy or other floating debris, or if you hit a dock. Similarly, this also applies to watercraft like jet-skis. This type of policy is namely in place to help protect your watercraft from damages that are incurred during operation.
Your policy may also cover the medical costs of your passengers if they are injured in an accident while on your boat. Say you have a wreck and your passenger sustains a cut on their leg, your policy will help pay the cost of having that cut medically treated. Your boat policy may also help cover the cost of the other boater’s deductible on their own policy to help repair damage to their craft. As with any type of insurance, it is always best to speak with an agent to find out just what type of policy is going to work best for you, to find out what sort of coverage you need and to make sure you have adequate coverage for your watercraft and its unique operating circumstances. Luft Insurance can help you find your perfect policy.