Comprehensive Boat & Watercraft Insurance in Georgia
Owning a boat or personal watercraft is a significant investment, and if you're passionate about being out on the water, you know it's well worth it. However, protecting that investment is just as important as enjoying it. At Dickerson Agency, we specialize in helping you find the right boat & watercraft insurance coverage tailored to your specific needs.
Understanding Boat Insurance Coverage
Navigating the complexities of boat insurance can be challenging, but we're here to guide you through it. Knowing what to look for in a watercraft insurance policy is essential, and we’re ready to assist you in determining the right level of protection.
Key Boat Insurance Coverages in Kennesaw:
- Navigational Area Coverage:
It’s crucial to know where your insurance coverage applies when you're on the water. Some policies protect you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into Mexico’s Pacific coastal waters. For areas beyond these, especially in states like California, Florida, and Oregon, additional coverage can be purchased. - Agreed Value Coverage:
Boats, like cars, depreciate over time. An agreed value policy ensures that if your boat is totaled, you receive the full value you insured it for, minus any deductible. This is often more advantageous than actual cash value policies, which may not cover the full cost of replacing your boat. - Liability Coverage:
Just like with auto insurance, liability coverage is essential on the water. It protects you if you're at fault in an accident, covering the costs to repair or replace others' property, as well as their medical bills, lost wages, and other expenses resulting from the incident. - Medical Payments Coverage:
This coverage helps pay for medical expenses resulting from a boating accident, covering you, your passengers, and even those participating in water sports like skiing or tubing. Coverage amounts typically range from $500 to $10,000, regardless of who is at fault. - Physical Damage Coverage:
Protect your watercraft, motor, and attached equipment with physical damage coverage. This also includes coverage for your trailer if it's damaged or stolen. - Uninsured/Underinsured Watercraft Bodily Injury Coverage:
Not all boaters carry insurance, which could leave you vulnerable if you’re hit by an uninsured or underinsured boater. This coverage steps in to cover your medical bills, lost wages, and other associated costs if you're injured in such an accident. - Fuel Spill Liability and Wreckage Removal:
In the unfortunate event that your boat sinks or is severely damaged, there's a risk of oil or fuel leaking into the water. As the boat owner, you are legally responsible for the cleanup. This coverage helps manage the potentially high costs of fuel spill cleanup and wreckage removal. - Personal Effects Coverage:
Protect your personal belongings, such as clothing, cell phones, and sports equipment, while on your boat. Coverage limits vary by state, so it's important to check with us about what's required. Note that this coverage typically excludes jewelry, watches, and furs. - Unattached Equipment Coverage:
This coverage ensures that equipment not permanently attached to your boat, like lifesaving gear, water skis, anchors, and fire extinguishers, is protected. - Emergency Assistance:
Our Emergency Assistance Package covers towing, labor, and even delivery of gas, oil, or a loaned battery if your boat is disabled while on the water.
Why You Need Special Insurance Coverage?
Standard homeowners insurance often doesn’t provide adequate protection for your boat. To fully enjoy your time on the water without worry, it’s important to have insurance designed specifically for boat owners. At Dickerson Agency, we help ensure that your boating experience is as relaxed and enjoyable as possible by providing comprehensive coverage that protects you, your loved ones, and your investment.
With the average boat costing less than a dollar a day to insure, you can enjoy peace of mind knowing you’re protected without breaking the bank. Contact us today to get started with the right boat insurance policy tailored to your needs.
To get started, head over to our Quotes page or call our office, and we'll walk you through the process of getting covered.