Boat Insurance

from Kuespert Insurance Agency

Boat Insurance

Laws governing boats and watercraft vary from state to state and sometimes from community to community. That’s why you should turn to a local, private insurance company like Kuespert Insurance when purchasing boat insurance and other watercraft coverage. Our experienced agents can help you determine the coverage you need for power boats, yachts, sailboats, jet skis and other watercraft.

Legal Requirements Versus Necessary Coverage

Although boats can be registered in both Idaho and Washington without being insured, there are many good reasons to carry insurance coverage on your watercraft. For starters, you can be held responsible for damage done to other water vessels or to the environment by your boat. Without insurance coverage, the costs could cripple you financially. Additionally, insurance can help pay for medical expenses in the event that you or others are injured in a boating accident, and the right watercraft insurance can also help you get back on the water as soon as possible after an accident.

Available Coverage

Kuespert Insurance provides a full range of coverage options for boats and watercraft. We cover

  • Yachts and other pleasure boats
  • Sailboats
  • Fishing vessels
  • Speedboats
  • Jet skis
  • Marinas and corporately owned watercraft

You can get a free online quote today, or you can call to speak with an agent about your boat insurance needs. Coverage options include

  • Liability coverage to pay for the repair or replacement of someone else’s watercraft that you damage
  • Medical coverage to pay for necessary treatment if you or a passenger is injured in a boating accident
  • Physical damage coverage, like collision or comprehensive car insurance, which pays for the repair or replacement of your boat in the event of an accident
  • Underinsured/uninsured watercraft coverage to protect you, your passengers and your watercraft if you are hit by a boater with inadequate insurance
  • Fuel spill and wreckage removal to cover the cost of cleanup after a wreak or oil spill
  • Agreed value coverage to help you replace a watercraft lost in a covered event
  • Unattached equipment coverage to repair or replace equipment such as water skis, anchors, lifesaving equipment, oars and fire extinguishers
  • Emergency assistance to help cover the cost of towing and other assistance required if your vehicle breaks down or becomes stranded on the water
  • Other watercraft coverage that may be available to you locally

Certain coverage options may not be available in all areas. Address any questions concerning available coverage to your Kuespert Insurance agent.