If you own your personal watercraft (PWC), you’ll want to know about all the ways your PWC policy allows you to stay protected, including bodily injury, property damage and theft.
The basics:
A small boat, such as a canoe or other un-motorized boat, is typically covered under the personal property portion of your homeowners insurance policy. If you own a larger, faster boat, you’ll need a separate boatowners insurance policy. A typical boatowners insurance policy is designed to protect your boat, motor, equipment and passengers. It affords similar coverages to those you typically have for your car including 2 principal liability coverages (personal and medical payments), and physical damage.
What is PWC coverage?
Personal watercraft (PWC) coverage may cover the following:
- Bodily injury to yourself, another rider, or swimmer injured in your path
- Property damage to items such as docks, other PWCs or boats
- Guest passenger liability
- Medical payments
- Theft of your PWC
A typical policy will include a $250 deductible for property damage, $500 for theft and $1,000 for medical payments. Liability starts at $15,000 and can increase to $300,000 to provide you and your family the financial protection you need in case your PWC is involved in an accident.
In addition, most policies include water sports liability coverage, which provides protection when you engage in sporting activities such as waterskiing, knee boarding or tubing.
If you have several personal watercraft (PWC) vehicles, you may qualify for a multi-boat discount. You can also purchase additional coverage for accessories and hauling trailers to keep all your bases covered.
Additional liability coverage
A personal umbrella insurance policy provides additional boat insurance coverage across the board for home, auto and watercraft.
PWC safety tips
Stay safe while operating your PWC by remembering the following:
- Remain at least 100 yards behind another vessel or PWC in front of you and at least 50 yards away from someone on each side to help you avoid a collision.
- Do not jump a wake created by a passing boat. In doing so, you could potentially misjudge the boat’s speed and cause a collision. The wake may also push you into the traffic path of other vehicles coming from the opposite direction.
- Be aware of your surroundings. Avoid other PWCs, swimmers, boats, divers and fishers.
Contact us today to learn how we can help you protect what matters most.
Ph: 203.834.5900
Email: info@toofer.com
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