Boat insurance can provide financial protection and help cover third-party injury and property damage claims related to your watercraft. Depending on your boat insurance coverage, the policy may also help repair or replace your boat after a covered accident or incident. 

Contact Nauertz Insurance Agency in Upland, California, for personalized boat insurance quotes and expert guidance. 

Understanding Boat Insurance 

Like other insurance types, boat insurance may offer financial protection in case of damage, theft or liability claims associated with your watercraft. When you purchase boat insurance, you receive a policy that outlines coverage details, including deductibles and limits. If an incident covered by your policy occurs, such as an accident or theft, you can file a claim with your insurance provider. 

Boat Insurance Coverage 

Boat insurance policies include various coverage options tailored to the unique risks of owning and operating a watercraft. The following are common coverages: 

• Physical damage coverage—This coverage may help repair or replace your boat in case of damage resulting from accidents, storms, fires, theft or vandalism.

• Liability coverage—This coverage may help provide financial protection in case of third-party property damage or injury claims resulting from accidents up to the policy's dollar limits.

• Wreckage removal—This coverage may help pay the costs associated with salvaging, removing or disposing of your boat if it sinks or sustains severe damage.

• Uninsured/underinsured watercraft coverage—This coverage may help provide financial protection if you're involved in an accident with an uninsured or underinsured boater.

• Towing and assistance—This coverage may help reimburse you for emergency towing and service expenses if your boat becomes disabled while on the water.

Your agent may recommend additional policies and endorsements to help provide coverage for personal effects, towing trailers and sporting equipment. 

The specific coverage you need depends on factors such as your watercraft's type, value, requirements from your lienholder, the way you use your boat and local regulations. 

Working closely with your insurance agent is crucial to determine the appropriate coverages and limits for your unique situation. They will help assess your needs and guide you through the process, ensuring you have the right coverage to protect your financial security as a boat owner.  

Contact Us 

You can navigate the waters confidently with appropriate boat insurance coverage. Don't leave your boat vulnerable to accidents or damage. Reach out to Nauertz Insurance Agency today to compare boat insurance quotes.