What Types of Watercraft Are Covered by Boat Insurance?

For boat owners in Vernal, UT, our team at Perry Insurance Agency is happy to provide boat insurance options that cover different types of watercraft. Although watercraft insurance might sound like it would cover any boat or vehicle that goes on the water, boat insurance policies have certain parameters that dictate whether they cover a specific type of watercraft. For boat owners, we know how important it is to protect your watercraft from theft, damage, and liability. Before you take your boat or other vehicle out on the water, you should look into the types of insurance coverage that may be able to cover your watercraft.

What Is Boat Insurance?

Boat insurance policies, also known as “watercraft insurance,” cover a range of different vehicles designed to go on the water. These policies typically provide coverage for liability, damage, replacement of a stolen boat up to a certain amount, and other protection. Since every boat insurance policy has limits and terms that are unique to that policy, you’ll want to ask your agent about the specifics of your policy.

What Kinds of Watercraft Qualify for Boat Insurance?

While some policies may cover specific types of boats, boat insurance generally covers a few types of boats. Motorboats, sailboats, and yachts are typically covered by boat insurance. Other policies like home insurance may cover some watercraft such as kayaks if they meet certain requirements. They might also be covered by boat insurance depending on the policy. Also, some vehicles like jetskis may be covered under recreational insurance. Some policies cover specific watercraft while others are general.

To learn whether our boat insurance policies may cover your watercraft, call our office at Perry Insurance Agency in Vernal, UT today!