Boat/Watercraft Insurance in the USA

Although boat/watercraft insurance is not required in some states, that doesn’t mean you shouldn’t have it. Whether you are boating, fishing, or enjoying a jet ski on one of the countries  numerous lakes or rivers, you are at risk of damage from an accident, storm, or other covered incidents. Additionally, since insurance is not required, many boat owners may skip having it to save money. If you are involved in an accident with an uninsured boat operator, you’ll be on the hook for the damage - not the other party.

Is Boat Insurance Expensive?

The boat insurance cost can vary greatly depending on the type of boat, how big it is, the type of personal watercraft, and your location. Like auto insurance, the owner of a Lamborghini Gallardo can expect to pay more for their coverage than the owner of a Ford Focus. At McCluskey Insurance Services in Cincinnati, OH, we aim to find you the best possible coverage at a price within your budget.

What Does Boat Insurance Cover?

Although coverage will vary from one policy to the next, most will cover your boat or watercraft if it is stolen, involved in an accident, or damaged by a covered incident such as lightning or fire. Additionally, if you have a boat insurance policy with liability coverage, it will protect you if you accidentally injure another person or their property with your vessel. Other items that your boat/watercraft insurance may cover include:

• Permanently attached equipment
• Fittings
• Furnishings
• Hull
• Machinery

To learn more about our boat and watercraft insurance offerings, give McCluskey Insurance Services LLC in Cincinnati, OH a call to learn more. Our friendly and professional team is standing by to answer all your insurance-related questions and customize a policy that best fits your needs.