Boat Insurance in Gallipolis and Jackson, OH

Boats are a fun way to explore places not reachable by land. Whether you use your boat with family or friends, you can treasure these getaways for a long time.

Ohio law doesn’t require boat insurance, but insurance can protect your boat, motor, equipment, and passengers if something unexpected happens. Boat-related harm, loss, and injuries can happen, and boat insurance can minimize your financial damage.

What Kind of Insurance Coverage Is Available?

A range of insurance coverage is often available for boats, and what you choose depends on your type of boat. Typically, small boats like canoes or un-motorized boats fall under the personal property portion of your homeowners insurance policy. But if your boat is a more expensive, motorized model, you may need boatowners insurance. A typical boatowners policy gives you:

Liability—Two primary liability coverages are generally included:

Personal liability provides protection for legal liability and pays, up to the limit of your policy, your legal obligations due to an accident resulting from the ownership, maintenanceor use of your boat, including bodily injury, property damage and legal defense.
Medical payments pay medical expenses up to the limits in the policy, including any boating-related medical costs from an accident arising out of the ownership, maintenance or use of your boat.

Physical damage—This generally covers your boat, motor, boat trailer, boat equipment (anchors, oars, fuel tanks, life jackets, dinghies, tools, etc.), and other personal property against theft, accidental loss or damage.

There may be additional coverages available to you, and they include:

Emergency service: Pays for costs sustained due to your boat, motor or boat trailer’s specified emergency service.
Reasonable repairs: Covers needed repairs to protect your boat from further damage.
Umbrella liability: Provides additional insurance for your boat.
Wreck removal: Covers expenses incurred for any attempted or actual raising, removal or destruction of your damaged boat caused by an insured loss and the disposal or destruction of your boat required by law.

What Is the Average Cost of Boat Insurance?

Boat insurance is usually determined by the value of your boat, your boat’s length, age and classification or type of boat. We can evaluate your boat insurance costs and get you a policy that meets your needs.

How We Can Help

Boats are a great recreational activity, but they also come with risks. Saunders Insurance Agency’s strong insurance background can help you minimize your potential risk. Call us today at 740-446-0404 to get started on your boat insurance policy.