Boat/Watercraft Insurance

When you begin to accumulate items, such as a home or car, you understand that you need to protect your investment and avoid expensive costs from liability. The same is true when you buy a boat or personal watercraft. Being out on the water is a great way to spend time with friends and family, but these experiences entail a risk that can affect your financial security. At Clemens Agency in Urbandale, IA, we can help you find the right insurance for your needs.

Why You Need Boating and Watercraft Insurance

Even the smallest boats are a financial investment that would constitute a loss if it were damaged in an accident or by a natural event. Boating can also entail damage to the property of others and liability for medical costs or even the deaths of others. Because these risks are inherent in the activity, you need protection from expensive liability costs and the loss off your watercraft. Jet skis, wave runners and similar craft also need protection from damage and liability.

Common Types of Watercraft Coverage

Boat insurance may cover damage from lightning, fire, theft, collision, and vandalism. It may also cover damage to property caused by your boats, such as at docks, piers, and marinas. If someone is injured while on your boat, it can cover bodily injury liability. It can also help to pay medical costs for yourself or others who may be injured on your craft. Some policies also include pollution coverage, in case your craft is involved in an accident that causes spilling of gasoline or other fluids that contaminates waterways.

Choose the Clemens Agency for Your Boat and Watercraft Insurance

Insurance professionals in Iowa receive extensive training in the many products offered to clients, to help them avoid losses from accidents and natural events. We offer a variety of insurance for home, auto, life, and business. Contact the Clemens Agency today for a free, no-obligation quote to protect your watercraft against liability and financial loss.