Watercraft and Boat Insurance Coverage in Savannah, GA
First Choice Insurance offers watercraft and boat insurance coverage options for Savannah, GA. Call (912) 355-0001 for an insurance quote!
Why Do You Need Watercraft and Boat Insurance Coverage?
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers, or your investment. Here are a few things to consider:
- If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.
What Are Insurance Questions to Ask My Agent?
Here are a few things to consider as you prepare for the discussion:
- How much can you pay if your boat or personal watercraft is in an accident, damaged, or stolen?
- Is my boat or watercraft covered for use year-round?
- What discounts and programs are available?
- How much medical insurance and liability coverage is enough?
- Do I have coverage if I need my boat towed in an emergency?
- What's the process for filing and settling a claim?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. Consider purchasing a personal watercraft policy to protect yourself and your water vehicle in an accident.
The personal watercraft policy covers the following:
- Bodily Injury
- Property Damage
- Guest Passenger Liability
- Medical Payments
- Theft
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.
You should talk to your insurance representative about the coverage that best suits your needs.
Call (912) 355-0001 today for more insurance information.