Watercraft & Boat Insurance

        Looking For Boat or Personal Watercraft Insurance?

At CL Butcher, we enjoy being out on the lake as much as you do!  Whether you have a speed boat, canoe, yacht, cruising boat, or Jet Ski, we know that your water vehicles are very important to you. We also know that no matter what your choice in pleasure boating, we can help you find the right boat insurance policy to fit your lifestyle. We also offer personal watercraft insurance also, call us for more information! Whatever your preference in watercraft, we are here to help you find the right boat insurance coverage.

What Is Boat Insurance and What Does it Cover?

A boat policy insures you and your boat against liability and damage in the event of an accident on or off the water. It's also likely that you have your boat docked somewhere.

A boat policy can also provide coverage for damage to another boat or dock, and for bodily injury or death to another person as a result of your ownership of the boat. It may also provide coverage for medical payments to others and coverage against injury to you caused by an uninsured boater.

Regardless of where your boat is stored, it's best to have it properly protected. Having a boat policy will usually cover you if damage is caused by: 

• a collision
• sinking
• an accident
• malicious mischief
• vandalism

Most boat policies cover physical damage to:

• the hull
• sails
• machinery
• furnishings
• most on-board equipment
• boat trailer for damage from an external cause

Optional Boat Insurance Coverage?

You may purchase optional coverages, such as:

• coverage for your personal property
• coverage for your fishing equipment
• coverage against injury to you caused by an uninsured boater

Things to consider and questions to ask your agent

Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
• Is my boat or watercraft covered for use year-round?
• What discounts and programs are available?
• How much medical insurance and liability coverage is enough?
• Do I have coverage if I need to have my boat towed in an emergency?
• What's the process for filing and settling a claim?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may or may not provide limited coverage for personal watercraft and boats. Talk to one of our agents about coverage limits. 

                    Get a FREE Boat Quote Today!