Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 horsepower under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10% of property coverage. Check with us to find out if your boat is covered and what the limits are.
For other boats, you will need to purchase separate insurance. The size, type, value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
Coast West Insurance Agency uses Pacific Specialty Insurance Company for Personal Watercraft, such as, Sea Doos, Wave Runners, and Jet Skis.
The personal watercraft policy covers:
- bodily injury
- property damage
- guest passenger liability
- medical payments
Liability limits start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other accessories. Please contact us at 800 566 3331 to learn about the type of coverage that would best suit your needs.
Insurance coverages to consider:
- Physical Damage
- Medical Payments
- Motor Coverage
- Trailer Coverage
- Boat Covers
- Docking Fenders
- Communications Devices
We would be happy to provide you with a proposal for your boat insurance. Please complete our boat quotation request. You may be eligible for multiple policy discounts with Allstate Insurance Company.
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