Boat & Watercraft Insurance
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Description
Harbers Insurance Agency Inc. can help make your time on the water relaxed and worry-free!
We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You'll enjoy being on the water even more when you aren't worried about your safety, the safety your passengers, or your investment.
California - Do you know what to look for in a watercraft insurance policy?
Harbers Insurance Agency Inc. can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at 707-725-3316 to get started. Here are some items you'll need to consider when shopping for boat insurance in California.
- Navigational Area:- Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
- Agreed Value Coverage: - Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that's been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
- Liability - Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water.
- Medical Payments - Medical payments coverage will pay for the cost of needed care that is the result of a boating accident.
- Physical Damage Coverage- Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
- Uninsured/Underinsured Watercraft Bodily Injury - Since boat coverage is not always mandatory, many boaters choose not to get insurance.
- Fuel Spill Liability and Wreckage Removal - Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water.
- Personal Effects - Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.
- Unattached Equipment Coverage - This pays to repair or replace equipment that isn't permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat.
- Emergency Assistance - The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
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Boat & Watercraft Insurance
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