Personal Watercraft

Boat owners should understand how marine insurance differs from that of your car. Though one goes by land and the other by sea, there are variations beyond the basic coverage's common to both. In fact, "boat and yacht" policies can even vary between companies that specialize in marine insurance.

Liability and physical damage coverage form the core of any marine policy. Liability Coverage. This covers legal obligations to third parties due to injury, loss of life or property damage. Physical Damage Coverage. This reimburses for damage to the boat and its machinery. Experts recommend selecting a policy that continues to cover your vessel even when it is stored or being transported by trailer.

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