WATERCRAFT INSURANCE

The primary purpose of watercraft insurance is to protect against financial losses from accidents and liability. Whether you own a motorboat, sailboat, yacht, or personal watercraft like a Jet Ski, WaveRunner, or Sea-Doo, the right insurance provides crucial protection.

In many states, watercraft drivers are required to have personal watercraft insurance to operate their vessels in public waters. Coverage requirements vary by state, but most drivers must carry at least some form of insurance. Similar to auto insurance, watercraft insurance offers different types of coverage options.

Types of Coverage

• Property Coverage
  Property coverage helps pay for losses from damage to or theft of your watercraft. This may include incidents like dock collisions or transportation accidents. However, basic policies may not cover damage from windstorms or during transport via trailer, so consider an "all-risk" policy for more comprehensive protection.
• Liability Coverage
  Liability coverage protects you from legal costs if you're responsible for an accident involving your watercraft. Ensure your policy includes passenger liability if you often have others on board, so both you and your passengers are safeguarded in case of accidents.
• Medical Coverage
  Medical coverage helps with the cost of medical bills if you or your passengers are injured in a watercraft-related accident. Because personal watercraft like Jet Skis and motorboats are often considered high-risk, medical coverage can be more expensive, but it’s a critical safety net.
• Towing and Assistance Coverage
  When you’re miles from shore, breakdowns or emergencies can leave you stranded. Towing and assistance coverage can cover emergency repairs and fuel delivery, ensuring that help is available when you need it most.

Why Choose E360 Insurance for Watercraft Coverage?

At E360 Insurance, we understand the unique risks of being on the water, and we’re here to provide you with affordable, tailored coverage for your watercraft. Whether you're enjoying a day out on your boat or zipping across the water on a Jet Ski, you’ll have peace of mind knowing that you’re fully protected.