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Boat/Watercraft Insurance

Boat/Watercraft Insurance

There is no doubt that boating makes for an exhilarating experience. During summer in California, you will want to take your watercraft to the sea and store it when the cold winter months set in. Since your boat is unique, it only makes sense to buy a unique policy to protect it against theft and damage. At Hathaway Insurance Services, we work with you to ensure that you get the best boat/watercraft insurance to meet your needs.

What does boat insurance cover?

Before buying watercraft insurance, you should have a clear understanding of what the policy protects you against.

Property coverage

This type of coverage offers protection for your watercraft both on water and land. In case your boat gets damaged or is involved in an accident, you will be compensated for the loss suffered. The coverage will also protect your boat against theft, replacing it if it is stolen.

Liability coverage

There might be a time when your boat will cause injuries to someone who is not on the boat or damage another person’s boat or property. When this happens, liability coverage will help cover the expenses you incur as a result of the accident.

Medical payment coverage

If your boat is involved in an accident and your passengers sustain injuries, as a result, this type of coverage will help you pay for medications, medical bills, and X-rays for you and your passengers.

Uninsured watercraft coverage

Suppose you collide with a boater who lacks insurance, this coverage will pay for any expenses if any occupant of your boat is injured as a result of the accident.

Other types of protection

Depending on your needs, boat insurance may also provide coverage for special equipment, boat trailers, towing, and accessories.

Want to purchase boat/watercraft insurance to protect your watercraft and enjoy peace of mind? Hathaway Insurance Services can arrange reliable coverage for you. Our clients in California can use our online rating tool to find a quote for home and auto insurance. For other policies, kindly call or email us