Watercraft & Boat Insurance

  

Boats are vulnerable to various accidents while out on the water and in storage. Acquiring boat insurance can be an excellent way to limit potential out-of-pocket expenses following an accident. Selecting the right policy can be complex, and Wilgus Insurance is here to help you navigate the process. 

Do Boats Need Insurance? 

Most states do not require boats to carry insurance. However, some marinas may require boat owners to have boat insurance. Even though it generally is not required, boat insurance can significantly reduce the chances of having to cover excessive out-of-pocket accident costs. 

What Does Boat Insurance Cover? 

Boat insurance typically includes the following coverages: 

• 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. 

Certain policies might be tailored to include alternative coverages. Reach out to Wilgus Insurance to learn more about your coverage options. 

Reach Out Today 

If you are a boat owner and live in Maryland, Delaware or North Carolina, we can help. The experienced agents at Wilgus Insurance can assist you in learning more about potential boat insurance policies to help you decide on the right coverage for your boat. 

Reach out to our agency today at 844-494-5487 to learn more. 

Additional Resources:
Boat Insurance Contents Protection