Boat & Watercraft Insurance

Whether you store your boat at home or someplace else, it is important to make sure it is covered properly.  There is a whole lot more to insuring a watercraft than just covering the craft itself.  If you are like most watercraft enthusiasts though, you just want to enjoy your craft.  Fortunately, that's easy if you choose the right agent.  At KPIA, we work with you to put together a watercraft policy that fits your needs and properly protects you.  All that's left for you then is to relax and enjoy being on the water. 

Boats/Personal Watercraft/Yachts

If you are like most boat owners, you realize that watercraft are not covered under homeowners insurance policies.  However, many do not realize that watercraft insurance needs go far beyond covering just the craft itself.  Coverage needs range from accessories, personal effects and, most importantly, liability.  Why is liability the most important of the coverages?  Much more than the risk of damage to the craft itself, the greatest exposure in the event of a boat accident is from liability claims that arise from the collision, claims for injuries, deaths or damage to property such as boating slips or docks.  Also, in the event that the craft sinks, the costs of locating the craft, raising it, towing it and cleaning up any fuel or debris that escapes the wreckage can easily surpass the loss of the craft itself. 

For more information about these and other coverages contact us. 

For a quote, please visit our quote center.