Owning a boat in Mineola, New York, offers countless opportunities for adventure, whether you’re into coastal cruising, water sports or fishing. However, protecting your boat with the right insurance is essential. Understanding how boat insurance works, what it covers, and its costs can help you make informed decisions. At Keats Insurance Agencies, we’re here to discuss your coverage needs and provide a personalized quote.

What Is Boat Insurance?

Boat insurance can provide financial protection for boat owners against various risks, including accidents, damage and liabilities associated with their watercraft. This coverage can help manage the uncertainties of owning a boat, ensuring you can enjoy your time on the water.

What Does Boat Insurance Cover?

Boat insurance typically offers a range of coverages, including the following:

• Liability coverage may help pay for property damage or bodily injuries you cause to others while operating your boat, including legal fees if you’re sued, up to the policy’s dollar limits.
• Uninsured/underinsured coverage may help cover repairs or replacement costs if your boat is damaged by an at-fault party who lacks sufficient insurance. It may also cover medical expenses for injuries sustained in the accident.
• Personal injury protection is designed to help cover accident-related injuries for you and your passengers, up to the policy’s limits.
• Collision and comprehensive coverage may help cover repair or replacement costs if your boat sustains damage in a covered incident or accident.
• Additional coverages can include roadside assistance, water sports coverage, total loss replacement, fuel spill coverage and wreckage removal.

How Does Boat Insurance Work?

Boat insurance operates similarly to other types of insurance. You choose a policy based on your needs, pay regular premiums and file a claim with your insurer in the event of an incident. The insurance company will assess the claim, and if approved, they will cover the losses as per the policy terms, minus any deductibles.

How Much Does Boat Insurance Cost?

The cost of boat insurance varies depending on factors like the type of boat, its value, how you use it, and your insurance history. Seeking assistance from an insurance company may ease the assessment of these factors.

Get Boat Insurance Today

At Keats Insurance Agencies, we can provide a personalized quote and tailor a policy to meet your needs. Contact us today or request a free quote.