There is nothing like spending the day on the water, whether relaxing, skiing, or fishing for the next big catch. The last thing you want to think about is a hiccup in your trip, but unfortunately, accidents happen. What would you do if you were suddenly stranded offshore? How would you pay for environmental clean-up if you sunk your vessel? Could you afford the repair or replacement cost if your boat collided with another vessel? These are the types of questions that can really put a damper on your water adventures. Fortunately, boat insurance from Insurance Broker Direct can give you the peace of mind you need to enjoy the water and cast your cares away.
Types of Boat Insurance Coverage
A lot can go wrong when you own a boat. Your insurance needs will vary depending on what type of boat you own, how you use it, how often you use it, where you store it, and more. Don’t rely on your homeowner’s insurance, either. Even if you store your boat on your personal property, your homeowner’s insurance is unlikely to provide coverage to protect your vessel against loss. We offer dedicated boat insurance policies that cover your vessel against a wide range of losses from bow to stern.
Property Coverage
This is protection for the boat itself if it is damaged by a covered event. It pays for repair or replacement against things like collisions, fires, and theft.
Liability Coverage
Boater’s liability insurance is there for you if you are sued for property damages, medical expenses, and other losses after an accident you are responsible for.
Medical Payments Coverage
This protection helps pay your medical bills, as well as those of your passengers if you are involved in an accident.
Uninsured Boater Insurance
This coverage helps pay for injuries to you and your passengers if you are hurt by an uninsured boater.
Emergency Assistance
When your boat experiences a mechanical failure or runs out of fuel out on the water, your insurance can help cover the cost of towing and assistance.
Accessories and Equipment Coverage
You can add coverage for any personal items, special equipment or after-market accessories lost or damaged due to a covered event. This might include navigation equipment, fishing equipment, anchors, life jackets, and more.
Boat Trailer Insurance
If your boat trailer is damaged in an accident, insurance can give you peace of mind that it will be repaired or replaced.
Boat Insurance Discounts
We’re a small-town agency with small-town family values. We know the people of Lafayette work hard for their money, and you deserve to spend your spare time boating without worrying about your boat insurance policy’s cost or coverage. That is why we work hard to find our clients much more than great coverage – we find a great price. As an independent insurance agency, our job is to serve you the coverage that’s right for you at a reasonable price you can afford.
First, we shop and compare coverage and rates from multiple Indiana boat insurers. Then, we search for any discounts you may qualify for, such as:
- Bundled policy discounts
- Pay-in-full discounts
- Boater safety and education discounts
- And more!
From sailboats and fishing boats to ski boats and large pleasure boats, we here at Insurance Broker Direct can connect you with the boat insurance policy that will keep you afloat no matter how choppy the waves of life may get. If you need coverage for your boat, put your trust in the team with the reputation for going the extra mile. Call us today to speak with one of our helpful agents and request your free quotes today.
