Watercraft & Boat Insurance
Watercraft & Boat Insurance Quote Forms
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Watercraft & Boat Insurance Information
If you own a boat, having boat insurance is essential. Boat insurance can assist you in covering accident-related expenses if an accident or other covered event occurs.
What Boat Insurance Covers
Policies differ among boat owners due to factors like location and boat model. A standard boat insurance policy might include the following:
- Liability coverage helps cover expenses if your boat causes damage to another person’s property.
- Medical payments coverage helps cover medical expenses if you or a passenger gets injured on your boat.
- Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
- Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.
You will commonly be required to pay a deductible after filing an insurance claim, an out-of-pocket cost you’ll pay until your insurance provider assists you. For additional questions related to your boat insurance coverage options, contact the agents at Cloverleaf Insurance.
Do I Need Boat Insurance?
Missouri does not require boat owners to be insured. However, a policy can protect you from having to pay for replacement or repair out-of-pocket if your boat gets damaged while on the water or in storage. Even if you aren’t concerned about theft or damage to your boat or its contents, you are still exposed to liability risks. Without enough liability coverage, you put your life savings at risk.
Contact Our Agency
If you are a boat owner near St. Peters, Missouri, the agents at Cloverleaf Insurance can help you learn more about boat insurance coverage options.
Contact our agency today at 800-530-5822 to learn more.
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