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Protect Your Watercraft With Watercraft Insurance

Hotaling Watercraft Insurance

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Protect Your Watercraft With Watercraft Insurance

If you’re an owner of a watercraft, whether it be a sailboat, mega yacht, or jet ski, then chances are you’ve heard of watercraft insurance. But what exactly is it? Watercraft insurance is an umbrella term that covers any type of vessel used on the open water. It’s important to understand why having this kind of coverage is vital and the many different ways in which it can protect your boat or other vessel.

What Does Watercraft Insurance Cover?

This kind of insurance typically covers damages to both the boat and its contents due to accidents, theft, and vandalism. It also provides coverage for medical expenses if someone gets injured while on board your vessel as well as liability protection if you cause damage to another person’s property while operating your boat. Depending on the provider, some policies may also offer coverage for legal matters related to your watercraft such as libel or slander claims.

Why Do I Need Watercraft Insurance?

Accidents happen—especially on the open water. In addition to providing financial protection in case of an accident, having watercraft insurance can provides peace of mind. Now you can focus on enjoying your time out on the waves instead of worrying about what could go wrong. And if something does go wrong, having watercraft insurance will cover any costs associated with repairs or medical bills that may arise from an incident involving your vehicle.

When Should I Get Watercraft Insurance?

If you own a boat or other vessel then it’s important to get watercraft insurance before taking it out for a spin. Check with local regulations as some states have laws regarding minimum levels of coverage for vessels registered in their waters; failure to meet those requirements could lead to fines or even loss of registration privileges in extreme cases. Additionally, most lenders require boats purchased through financing be insured before they can be taken out onto the open waters.


No matter what kind of vessel you own—be it a sailboat, mega yacht, or jet ski—it’s important that you have adequate protection in case something goes wrong while out at sea. Fortunately, there are plenty of options available when it comes to finding the right kind of watercraft coverage for your needs. Don’t let lack of knowledge keep you from getting protected! Investing in quality water craft insurance will help ensure that no matter what happens while out on the open waters, you’ll always have peace of mind knowing that you’re covered by a reliable policy.


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