Boat & Watercraft Insurance

RIGHTSURE can minimize the stress and worry that comes from being out on the water in your boat. We can help you find the boat insurance that will cover you, your friends, your family, your watercraft and your boating equipment. Normally, boats will cost less than a dollar a day to insure and you will be able to spend time on the water that does not involve worrying about the safety of your passengers or the investment that you have made in your boat.

It is important that you know what you are looking for in a watercraft insurance policy? RIGHTSURE can help you determine the right amount of coverage to meet your specific needs. Contact us today to get started.

Here are some items you should consider when shopping for boat insurance.

Navigational Area
Understand where the policy will cover you in the water. There are some policies that will only cover you when you are within 75 miles of the U.S. coastline, in Canadian coastal or inland waters and into the Pacific coastal waters of Mexico. When you live in California, Florida or Oregon you may want to purchase additional coverage for areas that are not originally covered.
Agreed Value Coverage
Your watercrafts are going to lose value, just like your cars. An actual cash value policy can make it difficult to replace your boat if it has been stolen or destroyed. This coverage will ensure that you get the value your insured your boat for boat is stolen or destroyed, minus the agreed upon deductible.
Liability
Just like car insurance car insurance, personal liability will cover other boaters and boat owners in case you are at-fault in an accident that occurs on the water. This coverage will ensure that you the cost of repair or replacement for another individual's property is covered. The medical care costs, lost wages, and other costs that are incurred as a result of a boating accident will also be covered.
Medical Payments
This coverage will provide you with the funds necessary to cover the cost of medical care that is needed as a result of a boating accident. This coverage is typically available from $500 to $10,000 and will cover you, your passengers and even water skiers or tubers, regardless of who is at fault.
Physical Damage Coverage
This coverage will pay for the cost of repair or replacement for your watercraft, its motor or any other permanently attached equipment and also your trailer if it is stolen or even damaged.
Uninsured/Underinsured Watercraft Bodily Injury
Boat insurance is not always mandatory, which means you may be boating in the same area as boaters that do not have any insurance coverage. If you end up getting hit by an uninsured or an underinsured boater, they may not be able to provide you the funds that you need to pay for medical treatment, loss of wages or other costs that are associated with the accident. This coverage will ensure that you are taken care of in this situation.
Fuel Spill Liability and Wreckage Removal
If your boat is seriously damaged or if your boat capsizes and sinks, it may leak oil. By law, you are required to clean up the oil. Cleaning up the oil can be time consuming and expensive and this coverage will take care of the cost of this process.
Personal Effects
This insurance coverage ensures that your personal belongings, such as your clothing, jewelry, cell phones, scuba/snorkel gear, and/or fishing equipment are covered while you are on the boat. The limits vary by state, but talk with us to see what is available . Personal effects coverage does not cover jewelry, watches or furs.
Unattached Equipment Coverage
This will pay for the cost of repairing or replacing equipment that is not permanently attached to your boat or personal watercraft. This often includes possessions like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
Emergency Assistance
This coverage will provide the funds for towing, labor, delivery of gas, oil, or a loaned battery if your boat or watercraft is disabled on the water.