Boat insurance covers watercraft like motorboats, sailboats, and yachts and offers protection against various types of misfortune, both on and off the water. Below, Bobby Brown Insurance Agency in Milledgeville, GA, explains what boat insurance covers. This information should help you choose a policy that meets your needs and fits your budget.

What Does Boat Insurance Cover?

Liability

If you should ever be involved in a boat accident that's your fault, liability coverage pays to repair the other party's damaged property or treat their injuries. It also pays for any legal expenses, such as lawyer fees, court costs, or judgment or settlement amounts, that should arise from the incident.

The Boat Itself

If your boat should suffer damage, either due to a collision with another object or from a fire, storm, flood, or vandalism, the property coverage portion of your boat insurance policy will pay to repair or replace it. It also protects the boat against theft. This type of coverage is important, even during periods when the boat is in storage or otherwise not in use.

Medical Payments

If you or a passenger is injured while on the boat, medical payments coverage pays for any doctor’s bills, X-rays, and even medication. This differs from liability coverage because it pays out regardless of fault.

Damages Caused by Uninsured Watercraft

In most cases, boat repairs are paid for by the at-fault party's insurer. However, if the at-fault party does not have insurance or their policy limits do not fully cover the cost of repairing your boat, you might face out-of-pocket expenses to pay the difference. Uninsured watercraft coverage takes care of this and ensures you won't face the cost yourself.

Boat insurance helps protect you, both while the craft is in use and during the offseason. For assistance designing an affordable policy that offers the coverage you need, contact Bobby Brown Insurance Agency. They've been serving residents and businesses throughout Baldwin County for nearly 40 years and offer expert advice on boat, home, life, and auto insurance. Call (478) 453-9496 to speak with an experienced agent or visit their website to request a free insurance quote.