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Auto Insurance Explained
Learn about auto insurance policies and the different coverages that are optional and those required by state law.

The 13 Steps If an Accident Happens
Important life saving information if and when an accident occurs. Be prepared with these tips and know what to do in case an accident happens.

Filing an Insurance Claim
Learn about what to do before you file an insurance claim, and also what to do during the process of filing an insurance claim.

Motorcycle Insurance
Special tips on motorcycle insurance to save money and lower your premiums.

RV Insurance
Learn about why special protection and coverage may be needed for rv insurance.

Watercraft Insurance
Is your watercraft covered through your homeowners policy? Find out how special coverage is needed to protect yourself and your watercraft.




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Auto Insurance
Watercraft and Boat Insurance

If you're an avid watercraft enthusiast with some nice toys in your garage, you might want to check into watercraft insurance. Don't assume that your craft is covered under homeowners insurance, because in most cases, they aren't. First, know your watercraft! Fully understand all operational aspects and characteristics before heading out onto the open water. Your personal watercraft is considered a powerboat, so you need to obey the rules governed for powerboats by the Coast Guard and other marine authorities. Your local waterways sometimes have their own guidelines for use, so get to know and understand them as well.

Who/What Is Covered?
It comes down the policy specifics, but in most cases, the policy will cover you, your spouse, or any other household member that have permission to ride the craft. The policy will pay for bodily injury or other property damages caused by the craft. Various available coverage includes medical payments, physical damage, uninsured boater, and personal effects.

Medical Payments:
This extra coverage will pay for the cost of necessary medical treatment that results from an accident involving the watercraft.

Physical Damage:
This will cover the cost of repair to the watercraft if you are in a collision with another craft or other object. In most cases, you'll also be covered in cases of theft, vandalism, or fire.

Uninsured Boater:
This coverage pays for medical treatment that results from an accident with another boater who does not have insurance.

Personal Effects:
This optional coverage will cover some of the various common contents kept within a watercraft. These may include cameras, binoculars, clothing, or assorted accessories.

QUICK TIP
If you haven't already, look into taking a watercraft safety course. Not only will it make you a more proficient rider, but you'll receive a premium discount from most providers. It can range anywhere from 10-15% off.




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