DISCLOSING OF OPERATORS
It is important to disclose all operators- First Named Insured as listed on policy; others in the household – Spouse, Relatives such as children, Domestic Partner, and Unrelated Residents. Also, Regular Operators Living Elsewhere must be disclosed.
Liability protection provides legal defense and a settlement to
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
This coverage includes Pet Injury Coverage up to $1,000.
Comprehensive Perils Coverage
Includes all direct physical damage except those perils specifically excluded.
Standard claim settlement is Actual Cash Value (depreciation for age, wear & tear), subject to the policy limit.
Total Loss Replacement Coverageis available for boats no more than 1 year old.
Agreed Value Coverage(instead of traditional Actual Cash Value) may be available for qualified boats.
Disappearing Deductible for an additional premium receive a 25% discount towards your deductible per claim-free year
Uninsured Boaters (no insurance at all) may injure the occupants of your boat.
Pays to repair or replace a mechanical breakdown that occurs in the lower unit of an outboard engine, or in the upper and lower units of an inboard/outboard (stern drive) engine. Wear and tear and defects are all covered. A $250 deductible applies to each breakdown, must have Sign & Glide coverage.
Fishing Equipment Coverage is available from $1,000 to $10,000 (maximum $1,000 any one item) with a $250 deductible.
On-Road Emergency Roadside Assistance provides coverage while your boat is being towed on a trailer.
Personal Effects Coverage is available from $1,000 to $5,000 (maximum $1,000 any one item) with a $250 deductible
Sign & Glide Coverage Sign & Glide on-water towing coverage offers “one stop” assistance. Our national dispatch center will dispatch a tow boat and pay the tow operator directly. Customers pay no out-of-pocket expenses for covered services – they simply Sign & Glide.
Auto–Personal Auto – Commercial
Motor Home, including Full Timers
Travel Trailer, incl. Park Models
Employment Practices Liability
We ask for the opportunity to review your needs when purchasing insurance. We also provide a written review each year.