We specialize in Boat Insurance in Virginia
Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it.
So protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.
We Insure Things can help make your time on the water relaxed and worry-free. We will find you comprehensive boat insurance protection that protects you, your friends, family, your watercraft, and your boating equipment.
The average boat policy costs less than a dollar a day. You’ll enjoy being on the water, even more, when you aren’t worried about your safety, the safety of your passengers, or your investment.
Do you know what to look for in a boat insurance policy? We Insure Things can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
As a boat owner, you know that there are certain risks that come along with taking your vessel out on the water. Whether you’re enjoying a leisurely sail around the Chesapeake Bay or going for a fishing trip off the coast of Virginia Beach, it’s important to have the right insurance in place in case of an emergency.
Why You Need Boat Insurance
There are a few different types of coverage that are important for boat owners to have in Virginia Beach. First and foremost is liability insurance, which will protect you financially if you’re responsible for damages or injuries caused by your boat. You should also consider investing in Hull insurance, which will cover the cost of repairs if your boat is damaged in an accident. Finally, it’s a good idea to have an emergency assistance plan in place in case you encounter mechanical problems while out on the water.
How to Get Boat Insurance in Virginia Beach
The best way to get started with boat insurance is to speak with your independent insurance agent. They will be able to help you determine the best coverage for your needs and find a policy that fits your budget. Once you have a policy in place, be sure to review it regularly to make sure that it still meets your needs as your boat ages and as your sailing habits change.
Boat ownership comes with a lot of responsibility – but it can also be a lot of fun! In order to enjoy your time on the water worry-free, be sure to invest in the right insurance policy. Your independent insurance agent can help you find the perfect policy for your needs and budget.
Virginia Beach Boat Insurance coverages
- Navigational Area — Know where you are covered in the water. Some insurance companies 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 Nevada, Florida, and Oregon, coverage for additional areas can be purchased.
- Agreed Value Coverage — Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has 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. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
- Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
- 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 insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
- 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. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
- Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.
- 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. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
- 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.
To get started, enter your details below, or call our office, and we’ll walk you through the process of getting you and your awesome boat covered.