Boat and Personal Watercraft Insurance

Boating season can only mean one thing, fun in the sun!  Owning a boat can be a rewarding experience, and a great opportunity to create family memories while cruising the waves, or after that catch of a lifetime.  At Preferred Insurance, we take care of making sure you have the coverages you need, so you can cruise the waves this summer with the confidence to know you and your boat are protected!

Bodily Injury and Property Damage

This coverage pays when the insured is legally responsible or "at fault" for bodily injury and property damage caused by their watercraft or operation of someone else's watercraft with permission. This coverage also covers legal defense if the insured is sued.

Uninsured Boater

Provides coverage for injuries caused by an at fault boater that does not carry insurance.

Physical Damage and Collision

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Add'l available Boat Insurance Coverages

  • Total Loss Replacement - replaces insured's boat with a brand new one of similar make and quality

  • Boat-side Coverage -  Coverage for if your stranded on the water and need fuel, a jump, or tow with no out-of-pocket costs!

  • Replacement Cost Fishing Equipment — Coverage up to $10,000 for tackle, rods, and reels.

  • Replacement Cost Personal Effects — protects the insured's personal items including cameras, clothes, cell phones, etc.

  • Wreckage Removal coverage — Pays for any attempted raising, removal or destruction of the wreckage.

Image by Courtnie Tosana

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