Affordable Boat & Watercraft Insurance for All
Cheap Boat and Watercraft Insurance
We provide a cheap boat insurance policy that covers what you need. Whether you own a pontoon, fishing boat, sailboat, yacht, or personal watercraft (PWC), our full coverage boat insurance covers it all. Insure your boat with L.A. Insurance and get out on the water to experience the marine adventure leaving your worries behind. Request a free boat insurance quote online.
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Affordable Boat and Watercraft Insurance, Customized for You
Our Boat and Watercraft Insurance Coverage Options
L.A. Insurance offers a wide range of boat and watercraft insurance coverage options to protect your investment. Our watercraft insurance covers damage to your boat, theft, and liability. We also provide coverage for equipment, wreckage removal, and fuel spills. Explore the diverse boat insurance coverage options we offer
Liability Coverage
Our watercraft liability coverage provides compensation for both bodily injury and property damage. If you cause damage to other's property or injuries in a boating accident, we ensure you get the financial protection you need. Plus, this policy protects you against lawsuits and covers the costs of settlements and legal fees. If you accidentally collide with another boat, or a dock, or cause injury to a person, our boat liability insurance has you covered.
Collision Coverage
Our collision coverage for boats or PWC ensures your boat is protected against damage caused by accidents with other vessels or objects. Your boat might collide with another boat, hit a submerged object, or rub aground. Don’t worry. Our collision coverage covers the cost of repairs or replacement of your watercraft. Keep the peace of mind knowing that L.A. Insurance will compensate for any sudden collision. Get your boat insurance quote online today!
Comprehensive Coverage
Our comprehensive boat insurance policy protects your watercraft from a variety of risks that are outside of your control. This includes theft, vandalism, explosion and fire, falling trees, and natural disasters such as storms or hail. Our comprehensive watercraft insurance policy ensures your boat is shielded against all these threats. Choose L.A. Insurance to protect your boat investment. Request a watercraft insurance quote or speak to our agent.
Uninsured and Underinsured Boater Coverage
If you encounter an accident caused by an uninsured or underinsured boater, L.A. Insurance covers your medical expenses and damages. With this boat coverage option, you aren’t left footing the bill for injuries or damage caused by someone who lacks sufficient insurance. With our uninsured and underinsured water coverage, you can ensure a safe and peaceful water trip. Get insured today or find an agent for personalized boat insurance services.
Medical Payment Coverage
Medical payment coverage from L.A. Insurance makes sure you and your passengers get medical expenses due to a boating accident. This boat insurance coverage helps pay for mandatory medical treatments, regardless of who is at fault. By choosing medical payment coverage, you can only focus on recovery without worrying about unexpected medical bills. Know cheap boat insurance estimates instantly. Just contact our agent for a watercraft insurance quote!
Types of Watercraft We Cover Through Boat Insurance
Learn about the coverage for different types of watercraft:
- Pontoon Boats: We cover flattish pontoon boats. They are perfect for leisurely cruises and gatherings on island waters.
- Personal Watercraft: Including Jet Skis, Sea-Doos, and WaveRunners. PWCs are compact, high-speed vessels designed for fun.
- Fishing and Bass Boats: Crafted for fishing. These boats have outboard motors, trolling motors, and other fishing gear.
- Powerboats: Popular for cruising, watersports, and fishing, powerboats come in many sizes and have powerful engines.
- Sailboats: Powered mainly by sails, sailboats are exclusively used for recreation such as cruising and racing.
- Yachts: Yachts are larger and more luxurious than regular boats and offer long-trip amenities, used for pleasure
- Houseboats: These floating homes provide living accommodations, ideal for those who want to experience a lifestyle on the water.
- Kayaks and Canoes: Lightweight and manually powered, perfect for solo or tandem paddling voyages on lakes, rivers, and coastal areas.
Factors Affecting Your Boat Insurance Premiums
Numerous factors can affect your boat insurance rates including boat type, usage, storage, boating experience, and more:
- Boat Type: If you have a larger or more powerful boat, it typically costs more to insure due to higher risk and repair costs. Luxury boats and yachts also carry higher premiums.
- Usage and Location: Frequent use and boating in high-risk areas, such as coastal waters, can increase your boat insurance rates, Conversely, irregular use and inland boating might lower premiums.
- Storage and Security: Storing your boat in a secure place, like a marina or dry dock, can reduce your watercraft insurance premiums. Contrariwise, high-theft or storm-prone areas may raise your rates.
- Boating Experience: The best boat insurance agencies often offer lower rates to experienced boaters with safety training. However, inexperienced boaters probably face higher boat insurance premiums.
- Safety Equipment: A boat, equipped with safety features like GPS, EPIRBs, Depth Finders, life vests, and alarms, can ultimately reduce your boat insurance costs, qualifying you for discounts.
- Claim History: Never claimed for boat insurance? If yes, then your clean claims history can lead to lower boat insurance premiums. However, previous claims might increase your rates.
Tips to Get Affordable Boat Insurance
Let’s find some tips here to get cheap boat insurance:
- Take A Boating Safety Course: Completing a certified boating safety course from the US Power Squadron or the USCG Auxiliary can help you get cheap watercraft insurance.
- Insure Multiple Boats: If you have more than one boat, insuring them with one insurance agency can reduce your boat insurance cost.
- Buy Multiple Policies: Purchasing multiple policies such as renters' insurance, or car insurance from one provider may qualify you for discounts.
- Pay Higher Deductibles: Increasing your deductibles can reduce the costs of your boat insurance premiums.
Things to Keep in Mind for Choosing Right Boat Insurance
Compare Quotes and Policies
Don’t just pick the first boat insurance quote you get. Take the time to compare quotes and policies from different insurers. Look for competitive rates but also see what each policy includes. Check deductibles, coverage limits, and extra benefits.
Check the Insurer’s Reputation
Look up the insurance company’s reputation and reliability. Read customer reviews and ratings to see how good their service is and how they handle the boat claim process. Choose a company known for excellent service and fair claim settlements.
Understand Your Coverage Needs
When it comes to selecting the right boat insurance coverage, you should know what coverage you need. Think about the type of watercraft you own, its value, and how to use it. Evaluate risks such as liability, theft, and potential damage.
Why Choose L.A. Insurance for Your Boat and Watercraft Insurance Needs?
Direct Quotes from Agents
Our boat insurance agents provide personalized watercraft insurance quotes according to your exact needs. As one of our agents says, “We customize each policy to provide the best coverage at the best price.” Get your boat insurance quote now and enjoy your marine adventure without any uncertainty.
Rapid Binding Time
Our boat insurance policyholders don’t have to wait for too long to activate their coverage with us. We understand that time is of the essence. Therefore, as soon as you finish the required paperwork and submit your first payment, we instantly activate your watercraft insurance policy.
Low Down Payments
We offer the lowest down payment for boat insurance and make it more accessible. Like our clients, we also realize that affordability is the greatest solution. So, our low initial payments make it simpler to get the coverage you’re looking for. Experience low upfront costs now with L.A. Insurance.
Affordable Monthly Payments
Our flexible, low monthly payments make it easier to manage your budget. This payment plan allows you to spread the cost of your boat insurance over manageable monthly installments. With L.A. Insurance, all boat owners will get high-quality comprehensive coverage without any financial strain.
Full Coverage Options
By purchasing boat insurance services with L.A. Insurance, you can make sure your boat is well-covered. From hull damage to liability concerns, our boat insurance policies offer the ultimate peace of mind. With our full coverage options, you can travel on water with more certainty than ever before.
Coverage for High-Risk Drivers
We offer insurance coverage to high-risk drivers; a service often overlooked by larger insurers. We ensure that individuals facing challenges in obtaining boat insurance elsewhere can still find full coverage options. Join us so that you have the right protection for your boat or PWC.
Strong Local Presence
L.A. Insurance sets up its local presence in specific regions or communities. This localized focus enables us to know more about our customers and provide personalized boat insurance services. We can provide the right coverage for each client by learning about the community through our local boat insurance agents.
24/7 Customer Support
Accidents or emergencies can happen at any time. So, we provide 24/7 customer support to make sure you’re never alone in times of need. Our dedicated team is ready to assist you with any insurance-related queries or issues. Call us at +1 (888)-500-6065 for assistance, any time of the day or night.
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Affordable Boat Insurance: Get the Answers You're Looking for
What Does Boat Insurance Cover?
Ans: Boart insurance covers much more than just fire and weather-related insurance. It helps protect you if you cause damage to someone’s property. It also covers collision damage and provides compensation for medical bills if you’re hit by an uninsured boater. It also covers passenger injuries, even if you’re not at fault. However, we don’t cover routine boat maintenance and wear.
Do I Need Insurance for My Jet Ski?
Ans: Though it’s not mandatory, yes, you should definitely consider insuring your jet ski. It would be a smart choice. Jet ski insurance covers liability damage, theft, and weather-related incidents. It also covers medical expenses for you and your passengers, as well as protection against uninsured or underinsured boaters.
Do I Need Special Insurance for My Yacht?
Ans: Yes, you need special insurance for your yacht. Yachts are larger and more valuable than regular boats. Specialized insurance covers unique risks like higher repair costs and liability. It includes protection for personal property on board as well. You also need special insurance for your yachts since standard boat insurance cannot offer adequate coverage for them.
Does Boat Insurance Cover Theft?
Ans: Yes, boat insurance usually covers theft. At L.A. Insurance, our boat insurance policies often include comprehensive coverage, which protects against theft, vandalism, and other non-collision incidents. If your boat is stolen, we can help cover the cost of replacing or repairing the stolen vessel.
Is Boat Insurance Required by Law?
Ans: In most states, boat insurance is not legally required, except when financing the vessel or docking at marinas with insurance requirements. However, even when not mandated, boat insurance can provide valuable financial protection.
How Do I Report A Claim on My Boat Insurance Policy?
Ans: To report a claim on your boat insurance policy, contact your insurance company’s claim department as soon as possible. Give them detailed documentation and evidence of the incident, including any estimates of damage or medical bills. Your insurance company will then evaluate the claim, arrange for repairs if necessary, and provide settlement accordingly.
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