Watercraft / Boat Insurance
Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it.
So protect your investment with coverage that’s designed with the boat lover in mind. Not with some standard coverage or add-on to your Homeowners insurance.
Reliable Risk Management Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment.
You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.
Do you know what to look for in a watercraft insurance policy? Reliable Risk Management can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
WATERCRAFT/BOAT INSURANCE COVERAGES
Navigational Area
Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, coverage for additional areas can be purchased.
Agreed Value Coverage
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total-loss you will get the value you insured it for, minus any deductible.
Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily Injury
Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
Personal Effects
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in Washington. Personal effects coverage does not include jewelry, watches or furs.
Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
To get started, complete the form below or call our office, and we’ll walk you through the process of getting covered.
Why Trust Us
Phone
Address
Main Office: Mailing & Billing
42104 N Venture Dr, Ste D122 Anthem, AZ 85086
Mesa Office:
4140 W Baseline Rd, Ste 329 Mesa, AZ 85206
Prescott Office:
122 N Cortez Street, Suite 304 Prescott, Arizona 86301
Hours
Monday – Friday: 8:30AM – 4:30PM